Median home value is about $188,000 — about 46% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $740 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 47.0% (about 18.5 points below the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 36867 in Phenix City, AL, a household would need roughly $52,000 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 $1,208. That is roughly in line with the local median household income ($46,847). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.