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Spanish Fort city, AL

ZIP 36527 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36527

Median Home Value
$348,200
Median Rent
$1,271
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,237/mo PITI).

14%
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.

22.8 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 36527 in Spanish Fort city, AL, a household would need roughly $96,000 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 $2,237. That sits below the local median household income ($112,672), 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
75.1%+15% vs US avg
x
Vacancy Rate
8.6%-17% vs US avg
x
Broadband Access
92.0%+6% vs US avg
x
4+ Bedrooms
12.0%-19% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
7.0%+1% vs US avg
x
Rent Burden >30%
18.8%-62% vs US avg
x
Mortgage-Free
27.0%-29% vs US avg
x
$348,200
Home Value
$1,271
Rent
2004
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 detached73.7%
  • 1-unit attached2.2%
  • 2-9 units7.4%
  • 10+ units12.8%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$348,200
Median rent$1,271
Owner-occupied75.1%
Vacant8.6%
Price-to-income3.1x
Est. income to buy$96,000