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White Hall town, AL

ZIP 36785 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36785

Median Home Value
$100,900
Median Rent
$525
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$648/mo PITI).

21%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

16.0 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 36785 in White Hall town, AL, a household would need roughly $28,000 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 $648. That is roughly in line with the local median household income ($29,844). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.4%+25% vs US avg
x
Vacancy Rate
20.0%+94% vs US avg
x
Broadband Access
57.2%-34% vs US avg
x
4+ Bedrooms
8.1%-45% vs US avg
x
Built Pre-1939
12.3%-4% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
38.7%-22% vs US avg
x
Mortgage-Free
38.9%+2% vs US avg
x
$100,900
Home Value
$525
Rent
1978
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached68.1%
  • 1-unit attached0.0%
  • 2-9 units4.6%
  • 10+ units0.0%
  • Mobile home & other27.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$100,900
Median rent$525
Owner-occupied81.4%
Vacant20.0%
Price-to-income3.4x
Est. income to buy$28,000