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Spruce Pine CDP, AL

ZIP 35585 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35585

Median Home Value
$220,800
Median Rent
$530
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,418/mo PITI).

8%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

34.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 35585 in Spruce Pine CDP, AL, a household would need roughly $61,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,418. That sits below the local median household income ($80,000), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
16.7%+63% vs US avg
x
Broadband Access
80.1%-8% vs US avg
x
4+ Bedrooms
17.4%+18% vs US avg
x
Built Pre-1939
6.2%-52% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
50.1%+31% vs US avg
x
$220,800
Home Value
$530
Rent
1984
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached86.5%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other13.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$220,800
Median rent$530
Owner-occupied82.3%
Vacant16.7%
Price-to-income2.8x
Est. income to buy$61,000