Birmingham-Hoover, AL · Alabama
St. Clair County
92,903 residents425 permits TTM$78,993 median HHI12 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$218,500
ACS 5-Year
Cap rate proxy
7.0%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.4%
HUD FMR ÷ ACS HHI
Net migration
+2.18%
IRS SOI
Permits (TTM)
425
Census BPS
Climate risk
72.1
FEMA NRI (0–100)
ZIP code breakdown12 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 35131 | $161,927 | $1,020 | 7.6% | 8.0% | -5.6% |
| 35052 | $218,500county est. | $1,230 | 6.8% | 5.9% | 12.4% |
| 35987 | $184,900 | $1,050 | 6.8% | 7.0% | -2.6% |
| 35112 | $218,500county est. | $1,110 | 6.1% | 5.9% | 3.0% |
| 35125 | $221,100 | $1,140 | 6.2% | 5.8% | 5.5% |
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Demographics
Owner-occupied
82.5%
Census ACS
Vacancy rate
10.8%
Census ACS
Bachelor's degree +
19.9%
Census ACS
Rent burdened
32.2%
Census ACS (>30% income)
Median age
41.0
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026