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Vernon city, AL

ZIP 35592 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35592

Median Home Value
$126,900
Median Rent
$395
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$815/mo PITI).

11%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.8 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 35592 in Vernon city, AL, a household would need roughly $35,000 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 $815. That sits below the local median household income ($43,417), 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 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.8%-4% vs US avg
x
Vacancy Rate
32.3%+214% vs US avg
x
Broadband Access
70.6%-19% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
67.0%+75% vs US avg
x
$126,900
Home Value
$395
Rent
1979
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached48.7%
  • 1-unit attached0.8%
  • 2-9 units18.7%
  • 10+ units6.5%
  • Mobile home & other25.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$126,900
Median rent$395
Owner-occupied62.8%
Vacant32.3%
Price-to-income2.9x
Est. income to buy$35,000