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ZIP 36204
Housing & Real Estate

ZIP 36204 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36204

Median Home Value

$143,000

Median Rent

$538

Affordability Snapshot

$39,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$919/mo PITI).

19%

Rent-to-Income Ratio

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

4.1x

Home Price-to-Income Ratio

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

22.1 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 36204, a household would need roughly $39,000 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 $919. That is roughly in line with the local median household income ($34,740). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel

Housing Metrics

Owner Occupied

33.6%-49% vs US avg

Vacancy Rate

9.5%-8% vs US avg

Broadband Access

80.9%-7% vs US avg

4+ Bedrooms

1.4%-90% vs US avg

Built Pre-1939

7.1%-44% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

21.3%-57% vs US avg

Mortgage-Free

30.7%-20% vs US avg

$143,000

Home Value

$538

Rent

1976

Year Built

2017

Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

1-unit detached47.7%
1-unit attached2.3%
2-9 units26.3%
10+ units20.8%
Mobile home & other2.9%

ZIP 36204 — Housing & Real Estate

Housing & Real Estate in ZIP Code 36204

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