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Rainsville city, AL

ZIP 35986 — 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 35986

Median Home Value
$207,600
Median Rent
$419
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,334/mo PITI).

8%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

41.3 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 35986 in Rainsville city, AL, a household would need roughly $57,000 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 $1,334. That sits below the local median household income ($65,774), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.7%+30% vs US avg
x
Vacancy Rate
10.3%+0% vs US avg
x
Broadband Access
93.9%+8% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
53.3%+40% vs US avg
x
$207,600
Home Value
$419
Rent
1992
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached83.3%
  • 1-unit attached1.4%
  • 2-9 units5.8%
  • 10+ units0.6%
  • Mobile home & other8.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$207,600
Median rent$419
Owner-occupied84.7%
Vacant10.3%
Price-to-income3.2x
Est. income to buy$57,000