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Silverhill town, AL

ZIP 36576 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36576

Median Home Value
$235,600
Median Rent
$790
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,513/mo PITI).

12%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

24.9 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 36576 in Silverhill town, AL, a household would need roughly $65,000 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 $1,513. That sits below the local median household income ($78,227), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.1%+27% vs US avg
x
Vacancy Rate
11.7%+13% vs US avg
x
Broadband Access
77.7%-11% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
11.3%-77% vs US avg
x
Mortgage-Free
38.9%+2% vs US avg
x
$235,600
Home Value
$790
Rent
1997
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached70.5%
  • 1-unit attached0.0%
  • 2-9 units0.6%
  • 10+ units0.0%
  • Mobile home & other28.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$235,600
Median rent$790
Owner-occupied83.1%
Vacant11.7%
Price-to-income3.0x
Est. income to buy$65,000