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ZIP 36302 — 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 36302

Median Home Value
$59,500
Median Rent
$471
Affordability Snapshot
$16,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$382/mo PITI).

31%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

3.3x
Home Price-to-Income Ratio

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

10.5 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 36302, a household would need roughly $16,000 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 $382. That sits below the local median household income ($17,944), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (29% built before 1939)

Owner Occupied
18.8%-71% vs US avg
x
Vacancy Rate
31.1%+201% vs US avg
x
Broadband Access
62.3%-28% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
28.6%+123% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
37.6%-24% vs US avg
x
Mortgage-Free
72.5%+90% vs US avg
x
$59,500
Home Value
$471
Rent
1953
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 detached49.0%
  • 1-unit attached2.3%
  • 2-9 units41.1%
  • 10+ units5.6%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$59,500
Median rent$471
Owner-occupied18.8%
Vacant31.1%
Price-to-income3.3x
Est. income to buy$16,000