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ZIP 36102
Housing & Real Estate

ZIP 36102 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36102

Median Home Value

$171,200

Median Rent

$1,267

Affordability Snapshot

$47,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,100/mo PITI).

25%

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.

11.3 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 36102, a household would need roughly $47,000 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 $1,100. That sits below the local median household income ($60,971), 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 14% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

14.4%-78% vs US avg

Vacancy Rate

13.9%+35% vs US avg

Broadband Access

90.3%+4% vs US avg

4+ Bedrooms

5.5%-63% vs US avg

Built Pre-1939

1.7%-87% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

20.9%-58% vs US avg

Mortgage-Free

25.3%-34% vs US avg

$171,200

Home Value

$1,267

Rent

2011

Year Built

N/A

Moved In

Housing Structure

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

1-unit detached13.6%
1-unit attached1.4%
2-9 units11.2%
10+ units73.8%
Mobile home & other0.0%

ZIP 36102 — Housing & Real Estate

Housing & Real Estate in ZIP Code 36102

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