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Cowarts town, AL

ZIP 36321 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36321

Median Home Value
$178,500
Median Rent
$520
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,147/mo PITI).

11%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

28.6 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 36321 in Cowarts town, AL, a household would need roughly $49,000 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 $1,147. That sits below the local median household income ($58,203), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
74.6%+14% vs US avg
x
Vacancy Rate
9.1%-12% vs US avg
x
Broadband Access
89.2%+2% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
16.5%-67% vs US avg
x
Mortgage-Free
41.6%+9% vs US avg
x
$178,500
Home Value
$520
Rent
1994
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached75.6%
  • 1-unit attached0.3%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other24.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$178,500
Median rent$520
Owner-occupied74.6%
Vacant9.1%
Price-to-income3.1x
Est. income to buy$49,000