Real Estate Investing in Wilsonville, Alabama (35186)

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

Shelby County • Population: 5,121 • Data updated: September 2026

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Should you buy in 35186 (Wilsonville, AL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

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 price-to-rent: Price-to-rent ratio 25.8 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Wilsonville, AL (35186)?

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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 $360,063
Avg Monthly Rent $1,161
1% Rule ✗ Does Not Meet
Median Income $89,143
% Renters 16.3%

Market Analysis: 35186 Wilsonville

The 35186 ZIP in Wilsonville, AL is a local-operator market. Outside capital chasing a $360K entry has to pair deep knowledge with the discount.

The 35186 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

The gap between 35186 and stronger Wilsonville ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Resident income in 35186 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategy in 35186 is an operator game, not a passive one. From an investor standpoint, entry prices of $360K are inviting, the management lift is real and non-optional.

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 Wilsonville:

C+ Average
Buy Confidence Score: 65/100
Affordability
15/25
Appreciation
18/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4× the median income
Value Trend
Stable (+2.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,161/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Birmingham-Hoover, AL Metro Area
Even conditions for buyers and sellers
49 days
Average time to sell
Average
8.3%
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 Birmingham-Hoover, AL metro data
🏠

Property Strategy for 35186

Which property type performs best in this market?

Best for Cash Flow
3BR
3.7% cap rate
Best for Appreciation
3BR
+6.7% 5yr CAGR
Best Overall Value
4BR
$102,789/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $310,911 $1,610 3.7% +6.7% $103,637
4BR $411,158 $1,840 3.2% +6.5% $102,789

Market Trends

Home Value History (with trend line)

$376K$333K$290K$248K$205K$163KJul 2006Jul 2016Jul 2026

📊 How Does 35186 Compare?

Metric 35186 Wilsonville Birmingham-Hoover, AL Alabama
Home Value $360,063 $360,063 N/A $231,003
5-Year CAGR 3.7% 3.7% N/A 5.6%
Avg Rent $1,161 $1,161 N/A -
Cap Rate 2.5% 2.5% - -
💡 Why Invest in 35186? Click to expand

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

📊 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 35186 (Wilsonville, AL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.5%
Low
5yr Growth
+3.7%
Moderate

📊 Market Snapshot

Home Value $360,063
Monthly Rent $1,161
Price-to-Rent 25.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.9%
Cap Rate 2.5%
5-Year IRR 6.2%

📈 Home Appreciation

1-Year +2.8% ▲
3-Year CAGR +2.1% ▲
5-Year CAGR +3.7% ▲
10-Year CAGR +5.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.5%). 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.

Vacancy
6.1%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 35186

Population: 5,121

💰 Median Household Income
$89,143
This area
$89,143
State
$56,875
USA
$74,580
🏠 Renter Occupied
16.3%
This area
16.3%
State
24.9%
USA
34.0%
💼 Unemployment Rate
4.9%
This area
4.9%
State
-24.3%
USA
3.7%
🎓 College Educated
28.1%
This area
28.1%
State
-11.9%
USA
33.7%
👤 Median Age
46.1 years
This area
46.1 years
State
-0.9 years
USA
38.9 years
🏚️ Vacancy Rate
6.1%
This area
6.1%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 88.9%
Black/African American 6.1%
Other/Mixed 4.3%
Hispanic/Latino 1.3%
Asian 0.7%
👶 Under 18
22.6%
This area
22.6%
USA
22.0%
👴 65 and Over
21.1%
This area
21.1%
USA
17.3%
📊 Poverty Rate
8.1%
This area
8.1%
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 35186

B Avg School Grade
1 Schools
15.4:1 Avg Class Size
$12,606 Avg Per Pupil

Schools in This ZIP Code

B Good

Wilsonville Elementary School

📚 Pre-K – 05 Elementary
👥
231 Students
👨‍🏫
15.4:1 Class Size
💰
$12,606 Per Student
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.

Frequently Asked Questions

How do experienced investors play Wilsonville, AL?

The best-fit strategy in Wilsonville, AL is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

How strong are rents in Wilsonville, AL?

The typical rental in Wilsonville, AL commands about $1,161/mo monthly. That rent profile predictable cash flow against the $360K purchase basis.

Are landlord laws favorable in Wilsonville, AL?

Wilsonville, AL operates under AL law, which is landlord-friendly overall for landlords. Expect stable treatment in typical lease and eviction cases.

How qualified is the tenant pool in Wilsonville, AL?

The tenant pool in Wilsonville, AL is solid, supported by local employment and population fundamentals. Rents of $1,161/mo are well-absorbed by the market.

Is Wilsonville, AL a good market for buy-and-hold investors?

Our data puts Wilsonville, AL at 3.0/5 for investability. Home prices of $360K and rents around $1,161/mo create a solid backdrop for investor activity.

You know 35186 now. You don’t know where it ranks.

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How 35186 ranks in Birmingham-Hoover, AL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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