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Montgomery city, AL

ZIP 36108 — 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 36108

Median Home Value
$73,700
Median Rent
$549
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$473/mo PITI).

20%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.2 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 36108 in Montgomery city, AL, a household would need roughly $20,000 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 $473. That sits below the local median household income ($32,622), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.5%-4% vs US avg
x
Vacancy Rate
23.2%+125% vs US avg
x
Broadband Access
71.8%-17% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
28.0%-44% vs US avg
x
Mortgage-Free
66.1%+73% vs US avg
x
$73,700
Home Value
$549
Rent
1971
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached73.9%
  • 1-unit attached1.5%
  • 2-9 units13.2%
  • 10+ units1.9%
  • Mobile home & other9.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$73,700
Median rent$549
Owner-occupied62.5%
Vacant23.2%
Price-to-income2.3x
Est. income to buy$20,000