Real Estate Investing in Moody, Alabama (35004)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 35004 (Moody, AL)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
No major risk flags on the data we track.
What’s happening in Moody, AL (35004)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 35004 Moody
ZIP 35004 in Moody, AL carries a healthy set of headwinds. Home values near $265K and rents of $1,874/mo sit inside a market where underwriting has to be tight.
On balance, the numbers look inviting — $265K purchase price, 0.0% nominal cap — the work to hit that pro forma in 35004 is substantial and deserves full respect.
Regionally, 35004 sits on the difficult end of the AL spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.
The demographic picture in 35004 includes headwinds that any investor should price in. Income distribution skews lower than Moody averages, and tenant stability requires active management.
Distressed ZIPs reward experience. durable returns are possible in 35004, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Moody:
Property Strategy for 35004
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $189,495 | $1,520 | 5.8% | +5.3% | $94,748 |
| 3BR | $248,933 | $1,900 | 5.5% | +5.6% | $82,978 |
| 4BR | $326,283 | $2,160 | 4.8% | +5.5% | $81,571 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 35004 Compare?
| Metric | 35004 | Moody | Birmingham-Hoover, AL | Alabama |
|---|---|---|---|---|
| Home Value | $265,028 | $265,028 | N/A | $231,003 |
| 5-Year CAGR | 3.9% | 3.9% | N/A | 5.6% |
| Avg Rent | $1,874 | $1,874 | N/A | - |
| Cap Rate | 5.5% | 5.5% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 35004 (Moody, AL). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 35004 (Moody, AL)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $265,028 |
| Monthly Rent | $1,874 |
| Price-to-Rent | 11.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 8.5% |
| Cap Rate | 5.5% |
| 5-Year IRR | 9.4% |
📈 Home Appreciation
| 1-Year | +4.5% ▲ |
| 3-Year CAGR | +0.7% ▲ |
| 5-Year CAGR | +3.9% ▲ |
| 10-Year CAGR | +5.5% ▲ |
🏠 Rent Trends
| 1-Year | +5.1% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 35004
Population: 11,558
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 35004
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 1,758 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Does house hacking make sense in Moody, AL?
The house hack math a challenging in Moody, AL. Owner-occupant buyers benefit from the $1,874/mo rents and $265K home values.
Do rentals sit vacant long in Moody, AL?
Moody, AL sees elevated vacancy, which is reasonable relative to the broader AL rental market.
What is the average home sale price in Moody, AL?
The median home value in Moody, AL is roughly $265K. That puts it reasonable relative to the AL statewide average.
Does Moody, AL favor landlords or tenants?
AL law landlord-friendly for landlords, and Moody inherits those rules. Investors should still review local ordinances for rental licensing.
What is the investability score for Moody, AL?
Moody, AL rates 3.0/5 for investability. With median values at $265K and rents near $1,874/mo, the market offers reasonable fundamentals for rental investors.
You know 35004 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 35004 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 35004 ranks in Birmingham-Hoover, AL
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 35004 (Moody)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 35004 (Moody, AL).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.