ZIP Code 35972 — Gallant CDP, AL Demographics & Data

ZIP code 35972 covers Gallant, AL in Etowah County with a population of about 1,300.

At a glance, the area shows median age of 44.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 256, 938; U.S. House district AL-3; the BIRMINGHAM (ANN & TUSC) media market.

Median household income in ZIP 35972 is about $52,839 — about 30% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.9%; unemployment rate near 4.5%; 26.6% of adults with a bachelor’s degree or higher (about 7.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Education, and Retail trade; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $89,500 — about 74% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 35972 in Gallant, AL, a household would need roughly $25,000 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 $575. That sits below the local median household income ($52,839), 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 Gallant CDP, AL as Relatively Moderate (composite score 87.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (87.5) and wildfire (72.7). 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 Gallant CDP, AL show little to no average snow and around 57.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 41 for ZIP 35972 (Gallant CDP, 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.