US5.com
  1. Home
  2. States
  3. Alabama
  4. ZIP 36784
  5. Housing & Real Estate
Putnam CDP, AL

ZIP 36784 — 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 36784

Median Home Value
$122,200
Median Rent
$589
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$785/mo PITI).

14%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.3 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 36784 in Putnam CDP, AL, a household would need roughly $34,000 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 $785. That sits below the local median household income ($51,442), 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 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.1%-0% vs US avg
x
Vacancy Rate
26.1%+153% vs US avg
x
Broadband Access
79.6%-9% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
12.3%-75% vs US avg
x
Mortgage-Free
52.7%+38% vs US avg
x
$122,200
Home Value
$589
Rent
1982
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached66.6%
  • 1-unit attached0.0%
  • 2-9 units7.8%
  • 10+ units4.2%
  • Mobile home & other21.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$122,200
Median rent$589
Owner-occupied65.1%
Vacant26.1%
Price-to-income2.4x
Est. income to buy$34,000