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Waterloo town, AL

ZIP 35677 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35677

Median Home Value
$190,400
Median Rent
$342
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,223/mo PITI).

8%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

46.4 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 35677 in Waterloo town, 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 $1,223. That is roughly in line with the local median household income ($48,350). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 38% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.0%+42% vs US avg
x
Vacancy Rate
38.3%+271% vs US avg
x
Broadband Access
70.0%-20% vs US avg
x
4+ Bedrooms
9.0%-39% vs US avg
x
Built Pre-1939
5.2%-60% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
34.8%-30% vs US avg
x
Mortgage-Free
78.7%+106% vs US avg
x
$190,400
Home Value
$342
Rent
1980
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 detached74.3%
  • 1-unit attached0.1%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other25.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$190,400
Median rent$342
Owner-occupied93.0%
Vacant38.3%
Price-to-income3.9x
Est. income to buy$52,000