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Montgomery city, AL

ZIP 36107 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36107

Median Home Value
$69,800
Median Rent
$668
Affordability Snapshot
$19,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$448/mo PITI).

25%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

8.7 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 36107 in Montgomery city, AL, a household would need roughly $19,000 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 $448. That sits below the local median household income ($31,895), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
36.9%-44% vs US avg
x
Vacancy Rate
20.9%+103% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
17.6%+38% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
33.8%-32% vs US avg
x
Mortgage-Free
58.3%+52% vs US avg
x
$69,800
Home Value
$668
Rent
1951
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached82.8%
  • 1-unit attached2.1%
  • 2-9 units9.9%
  • 10+ units5.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$69,800
Median rent$668
Owner-occupied36.9%
Vacant20.9%
Price-to-income2.2x
Est. income to buy$19,000