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Learn about the people, housing, costs and businesses in 35974
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 35974.
True all-in cost — P&I, taxes, insurance & utilities for homes in 35974.
Find and compare lenders active near 35974.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for 35974.
Seismic risk and earthquake insurance estimates for 35974.
Wildfire exposure and insurance estimates for 35974.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 35974 is approximately 6.979% (7.021% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ZIP code 35974The median home value in ZIP code 35974 is $124k. The median monthly rent is $556. Annual property taxes average $429. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in ZIP code 35974 have increased 40.4% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $713/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $31k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 35974 is $55k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 35974 are retail (23%) and public administration (17%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.