ZIP Code 35661 — Muscle Shoals city, AL Demographics & Data

ZIP code 35661 covers Muscle Shoals, AL in Colbert County with a population of about 18,957.

At a glance, the area shows median age of 41.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 256, 938; U.S. House district AL-4; the HUNTSVILLE - DECATUR (FLOR) media market.

Median household income in ZIP 35661 is about $66,726 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.0%; unemployment rate near 4.3%; 24.3% of adults with a bachelor’s degree or higher (about 9.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 11.2% of workers reporting work-from-home (about 4.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $189,700 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $699 (about 40% below the U.S. median rent ($1,163)), and owner-occupancy near 73.2% (about 7.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 35661 in Muscle Shoals, AL, a household would need roughly $52,000 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 $1,219. That sits below the local median household income ($66,726), 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.

FEMA’s National Risk Index rates natural-hazard risk for Muscle Shoals city, AL as Relatively Low (composite score 80.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (76.5) and hurricane (60.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Muscle Shoals city, AL show little to no average snow and around 54.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 604 for ZIP 35661 (Muscle Shoals city, AL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.