US5.com
  1. Home
  2. States
  3. Alabama
  4. ZIP 35661
  5. Housing & Real Estate
Muscle Shoals city, AL

ZIP 35661 — 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 35661

Median Home Value
$189,700
Median Rent
$699
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,219/mo PITI).

13%
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.

22.6 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 35661 in Muscle Shoals city, 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.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.2%+12% vs US avg
x
Vacancy Rate
11.9%+16% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
17.4%-65% vs US avg
x
Mortgage-Free
41.7%+9% vs US avg
x
$189,700
Home Value
$699
Rent
1990
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached76.3%
  • 1-unit attached0.6%
  • 2-9 units10.3%
  • 10+ units4.1%
  • Mobile home & other8.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$189,700
Median rent$699
Owner-occupied73.2%
Vacant11.9%
Price-to-income2.8x
Est. income to buy$52,000