Real Estate Investing in Talladega, Alabama (35160)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Talladega County • Population: 26,177 • Data updated: September 2026

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Should you buy in 35160 (Talladega, AL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 19.8% of homes vacant — above national norms.

What’s happening in Talladega, AL (35160)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $148,740
Avg Monthly Rent $750
1% Rule ✗ Does Not Meet
Median Income $44,852
% Renters 35.0%

Market Analysis: 35160 Talladega

ZIP 35160 in Talladega, AL carries a solid set of headwinds. Home values near $149K and rents of $750/mo sit inside a market where underwriting has to be tight.

Distressed markets are won on execution, not on spreadsheets. ZIP 35160 reports the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Regionally, 35160 sits on the difficult end of the AL spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 35160 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

The right play in 35160 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Talladega:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
14/25
Stability
13/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.3× the median income
Value Trend
Rising (+5.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $750/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Talladega-Sylacauga, AL Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Talladega-Sylacauga, AL metro data
🏠

Property Strategy for 35160

Which property type performs best in this market?

Best for Cash Flow
2BR
4.6% cap rate
Best for Appreciation
4BR
+6.8% 5yr CAGR
Best Overall Value
3BR
$57,373/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $121,930 $780 4.6% +6.6% $60,965
3BR $172,119 $1,060 4.4% +6.5% $57,373
4BR $269,324 $1,070 2.9% +6.8% $67,331

Market Trends

Home Value History (with trend line)

$156K$138K$121K$103K$86K$68KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,123$1,043$963$882$802$722Oct 2025Mar 2026Jul 2026

📊 How Does 35160 Compare?

Metric 35160 Talladega Talladega-Sylacauga, AL Alabama
Home Value $148,740 $148,740 N/A $231,003
5-Year CAGR 2.3% 2.3% N/A 5.6%
Avg Rent $750 $750 N/A -
Cap Rate 3.9% 3.9% - -
💡 Why Invest in 35160? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

A healthy rental market with 35% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 35160 (Talladega, AL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.9%
Low
5yr Growth
+2.3%
Slow

📊 Market Snapshot

Home Value $148,740
Monthly Rent $750
Price-to-Rent 16.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.1%
Cap Rate 3.9%
5-Year IRR 6.3%

📈 Home Appreciation

1-Year +5.5% ▲
3-Year CAGR +3.0% ▲
5-Year CAGR +2.3% ▲
10-Year CAGR +6.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). 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.

Vacancy
19.8%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 35160

Population: 26,177

💰 Median Household Income
$44,852
This area
$44,852
State
$56,875
USA
$74,580
🏠 Renter Occupied
35.0%
This area
35.0%
State
24.9%
USA
34.0%
💼 Unemployment Rate
5.9%
This area
5.9%
State
-24.3%
USA
3.7%
🎓 College Educated
15.3%
This area
15.3%
State
-11.9%
USA
33.7%
👤 Median Age
43.8 years
This area
43.8 years
State
-0.9 years
USA
38.9 years
🏚️ Vacancy Rate
19.8%
This area
19.8%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 52.0%
Black/African American 43.1%
Other/Mixed 4.7%
Hispanic/Latino 1.6%
Asian 0.2%
👶 Under 18
17.5%
This area
17.5%
USA
22.0%
👴 65 and Over
20.4%
This area
20.4%
USA
17.3%
📊 Poverty Rate
17.3%
This area
17.3%
USA
11.5%

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 35160

C+ Avg School Grade
11 Schools
17.6:1 Avg Class Size
$13,805 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

C L Salter Elementary School

📚 01 – 03 Elementary
👥
350 Students
👨‍🏫
16.7:1 Class Size
💰
$14,046 Per Student
B+ Above Average

Raymond L Young Elementary School

📚 Pre-K – K Elementary
👥
195 Students
👨‍🏫
15.0:1 Class Size
💰
$14,046 Per Student
B+ Above Average

Zora Ellis Junior High School

📚 07 – 08 Middle
👥
213 Students
👨‍🏫
15.7:1 Class Size
💰
$14,046 Per Student
B Good

Evelyn D Houston Elementary School

📚 04 – 06 School
👥
338 Students
👨‍🏫
18.8:1 Class Size
💰
$14,046 Per Student
B Good

Stemley Road Elementary School

📚 Pre-K – 06 School
👥
346 Students
👨‍🏫
17.3:1 Class Size
💰
$13,083 Per Student
B Good

Talladega High School

📚 09 – 12 High School
👥
448 Students
👨‍🏫
21.9:1 Class Size
💰
$14,046 Per Student
B Good

Talladega County Central High

📚 07 – 12 High School
👥
143 Students
👨‍🏫
17.9:1 Class Size
💰
$13,083 Per Student
C+ Average

Talladega Career Technical Center

📚 09 – 12 High School Limited Data
💰
$14,046 Per Student
C Below Average

Alabama School For Blind

📚 K – 12 K-12 Limited Data
C Below Average

Alabama School For Deaf

📚 K – 12 K-12 Limited Data
C Below Average

E H Gentry Technical Facility

📚 07 – 12 High School Limited Data
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

1 Nearby
C
Talladega College
837 students · 4.5 mi

Frequently Asked Questions

Can I house hack in Talladega, AL?

The house hack math a challenging in Talladega, AL. Owner-occupant buyers benefit from the $750/mo rents and $149K home values.

Is rental property easy to operate in Talladega, AL?

AL ranks as a landlord-friendly state for landlord-tenant law. Talladega generally follows the statewide framework, so landlords face reasonable operating rules.

How deep is the rental pool in Talladega, AL?

Working renters make up the core of the Talladega, AL tenant base. The pool is reasonable for investors targeting long-term holds.

Is Talladega in AL worth investing in?

Talladega, AL scores 3.0/5 for investability. Home values sit at $149K and rents near $750/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

Where do home prices stand in Talladega, AL?

Typical homes in Talladega, AL go for around $149K. The 5-year CAGR of 0.0% measured price movement.

You know 35160 now. You don’t know where it ranks.

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How 35160 ranks in Talladega-Sylacauga, AL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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