Real Estate Investing in Hamilton, Alabama (35570)

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

Marion County • Population: 10,621 • Data updated: September 2026

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Should you buy in 35570 (Hamilton, 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 vacancy: 21.7% of homes vacant — above national norms.

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

What’s happening in Hamilton, AL (35570)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $175,159
Avg Monthly Rent $702
1% Rule ✗ Does Not Meet
Median Income $52,454
% Renters 32.5%

Market Analysis: 35570 Hamilton

ZIP 35570 inside Marion County looks affordable on the surface — median value of $175K — but the discount exists for reasons that a careful buyer should understand before committing.

Distressed markets are won on execution, not on spreadsheets. ZIP 35570 registers the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

ZIP 35570's metrics run below Marion County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Who lives in 35570 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Experienced landlords with local relationships tend to find 35570 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Hamilton:

B Good
Buy Confidence Score: 76/100
Affordability
20/25
Appreciation
22/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.3× the median income
Value Trend
Rising (+5.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $702/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.

Market Trends

Home Value History (with trend line)

$184K$166K$147K$128K$110K$91KJun 2011Jan 2019Jul 2026

📊 How Does 35570 Compare?

Metric 35570 Hamilton Alabama
Home Value $175,159 $175,159 $231,003
5-Year CAGR 5.7% 5.7% 5.6%
Avg Rent $702 $702 -
Cap Rate 3.1% 3.1% -
💡 Why Invest in 35570? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 35570 (Hamilton, AL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+5.7%
Moderate

📊 Market Snapshot

Home Value $175,159
Monthly Rent $702
Price-to-Rent 20.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 8.9%

📈 Home Appreciation

1-Year +5.9% ▲
3-Year CAGR +1.6% ▲
5-Year CAGR +5.7% ▲
10-Year CAGR +5.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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
21.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 35570

Population: 10,621

💰 Median Household Income
$52,454
This area
$52,454
State
$56,875
USA
$74,580
🏠 Renter Occupied
32.5%
This area
32.5%
State
24.9%
USA
34.0%
💼 Unemployment Rate
2.6%
This area
2.6%
State
-24.3%
USA
3.7%
🎓 College Educated
13.8%
This area
13.8%
State
-11.9%
USA
33.7%
👤 Median Age
46.3 years
This area
46.3 years
State
-0.9 years
USA
38.9 years
🏚️ Vacancy Rate
21.7%
This area
21.7%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 88.7%
Other/Mixed 5.7%
Black/African American 5.4%
Hispanic/Latino 3.2%
Asian 0.1%
👶 Under 18
19.0%
This area
19.0%
USA
22.0%
👴 65 and Over
23.7%
This area
23.7%
USA
17.3%
📊 Poverty Rate
8.2%
This area
8.2%
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 35570

B+ Avg School Grade
3 Schools
16.0:1 Avg Class Size
$11,702 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Hamilton Elementary School

📚 Pre-K – 04 Elementary
👥
656 Students
👨‍🏫
14.3:1 Class Size
💰
$11,702 Per Student
B Good

Hamilton High School

📚 09 – 12 High School
👥
456 Students
👨‍🏫
16.4:1 Class Size
💰
$11,702 Per Student
B Good

Hamilton Middle School

📚 05 – 08 School
👥
452 Students
👨‍🏫
17.3:1 Class Size
💰
$11,702 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

What is the tenant pool like in Hamilton, AL?

Expect a solid tenant pool in Hamilton, AL. The rental market absorbs $702/mo rents without meaningful friction.

What is the rental occupancy rate in Hamilton, AL?

Occupancy in Hamilton, AL runs measured with elevated vacancy. Well-priced units at $702/mo lease on reasonable timelines.

Are homes affordable in Hamilton, AL?

Hamilton, AL median home values land near $175K. That is reasonable territory for investors looking at $702/mo-per-month rentals.

How viable is house hacking in Hamilton, AL?

The house hack math a challenging in Hamilton, AL. Owner-occupant buyers benefit from the $702/mo rents and $175K home values.

How do landlord-tenant laws work in Hamilton, AL?

AL law landlord-friendly for landlords, and Hamilton inherits those rules. Investors should still review local ordinances for rental licensing.

You know 35570 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 35570 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.

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