Real Estate Investing in Ramer, Alabama (36069)

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

Montgomery County • Population: 2,049 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 36069 (Ramer, AL)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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: 26.5% 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 Ramer, AL (36069)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
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 $182,772
Avg Monthly Rent $810
1% Rule ✗ Does Not Meet
Median Income $44,643
% Renters 22.9%

Market Analysis: 36069 Ramer

The 36069 ZIP covers a section of Ramer that demands careful diligence. Prices near $183K look accessible, but the work to make a deal cash flow is real.

Distressed markets are won on execution, not on spreadsheets. ZIP 36069 reports the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

ZIP 36069's metrics run below Montgomery County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

The 36069 ZIP's population of 2,049 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.

Strategically, 36069 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Ramer:

C Below Average
Buy Confidence Score: 59/100
Affordability
15/25
Appreciation
14/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+8.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $810/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
Montgomery, AL Metro Area
Even conditions for buyers and sellers
59 days
Average time to sell
Average
7.8%
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 Montgomery, AL metro data

Market Trends

Home Value History (with trend line)

$187K$175K$162K$150K$138K$125KFeb 2017Nov 2021Jul 2026

📊 How Does 36069 Compare?

Metric 36069 Ramer Montgomery, AL Alabama
Home Value $182,772 $182,772 N/A $231,003
5-Year CAGR 2.2% 2.2% N/A 5.6%
Avg Rent $810 $810 N/A -
Cap Rate 3.5% 3.5% - -
💡 Why Invest in 36069? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 36069 (Ramer, AL). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 36069 (Ramer, AL)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
3.5%
Low
5yr Growth
+2.2%
Slow

📉 Market Crash Risk Index

Based on Montgomery, AL metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
58%
Days Pending
1/2
59 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $182,772
Monthly Rent $810
Price-to-Rent 18.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.3%
Cap Rate 3.5%
5-Year IRR 5.7%

📈 Home Appreciation

1-Year +8.4% ▲
3-Year CAGR +2.8% ▲
5-Year CAGR +2.2% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). 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
26.5%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.2%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 36069

Population: 2,049

💰 Median Household Income
$44,643
This area
$44,643
State
$56,875
USA
$74,580
🏠 Renter Occupied
22.9%
This area
22.9%
State
24.9%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-24.3%
USA
3.7%
🎓 College Educated
21.8%
This area
21.8%
State
-11.9%
USA
33.7%
👤 Median Age
49.7 years
This area
49.7 years
State
-0.9 years
USA
38.9 years
🏚️ Vacancy Rate
26.5%
This area
26.5%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 55.5%
Black/African American 37.7%
Other/Mixed 6.9%
Hispanic/Latino 6.6%
👶 Under 18
19.0%
This area
19.0%
USA
22.0%
👴 65 and Over
25.9%
This area
25.9%
USA
17.3%
📊 Poverty Rate
5.5%
This area
5.5%
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

Frequently Asked Questions

How landlord-friendly is Ramer, AL?

Landlord-friendliness in Ramer, AL is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

Is Ramer, AL better for rentals, flips, or BRRRR?

Ramer, AL investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($183K prices, $810/mo rents) make it a reasonable choice.

Is Ramer, AL good for house hacking?

House hacking in Ramer, AL is a challenging. With home values around $183K and rents at $810/mo, owner-occupants can offset a meaningful share of PITI.

Does Ramer, AL make sense for an investment property?

With a 3.0/5 investability score, Ramer, AL ranks as a solid market for rental property investors. Median prices of $183K and rents of $810/mo drive the underlying numbers.

How much does a house cost in Ramer, AL?

In Ramer, AL the median home value sits at $183K. Against the broader AL market, that reads as reasonable for most investors.

You know 36069 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 36069 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.

Compare Plans

How 36069 ranks in Montgomery, AL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 36069 (Ramer)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 36069 (Ramer, AL).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.