Real Estate Investing in Delta, Alabama (36258)

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

Cleburne County • Population: 1,734 • Data updated: September 2026

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Should you buy in 36258 (Delta, AL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (56/100)

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
2 flags
  • High vacancy: 22.1% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 26.9 — 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 Delta, AL (36258)?

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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 $237,805
Avg Monthly Rent $738
1% Rule ✗ Does Not Meet
Median Income $54,227
% Renters 9.1%

Market Analysis: 36258 Delta

Not every below-median market is a bargain. Delta's 36258 ZIP posts signals that favor experienced operators who can absorb the risk $238K pricing implies.

Distressed markets are won on execution, not on spreadsheets. ZIP 36258 reports the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Within AL, ZIP 36258 trails on several market indicators that neighboring Cleburne County submarkets outperform. The gap is real and healthy enough to shape underwriting.

Who lives in 36258 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The 36258 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Delta:

C+ Average
Buy Confidence Score: 63/100
Affordability
15/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.4× the median income
Value Trend
Rising (+11.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $738/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)

$249K$218K$186K$155K$123K$92KJul 2006Jul 2016Jul 2026

📊 How Does 36258 Compare?

Metric 36258 Delta Alabama
Home Value $237,805 $237,805 $231,003
5-Year CAGR 4.6% 4.6% 5.6%
Avg Rent $738 $738 -
Cap Rate 2.4% 2.4% -
💡 Why Invest in 36258? 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 36258 (Delta, AL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.4%
Low
5yr Growth
+4.6%
Moderate

📊 Market Snapshot

Home Value $237,805
Monthly Rent $738
Price-to-Rent 26.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.7%
Cap Rate 2.4%
5-Year IRR 7.0%

📈 Home Appreciation

1-Year +11.2% ▲
3-Year CAGR +6.1% ▲
5-Year CAGR +4.6% ▲
10-Year CAGR +6.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). 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.

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⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
22.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.6%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 36258

Population: 1,734

💰 Median Household Income
$54,227
This area
$54,227
State
$56,875
USA
$74,580
🏠 Renter Occupied
9.1%
This area
9.1%
State
24.9%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-24.3%
USA
3.7%
🎓 College Educated
8.7%
This area
8.7%
State
-11.9%
USA
33.7%
👤 Median Age
48.7 years
This area
48.7 years
State
-0.9 years
USA
38.9 years
🏚️ Vacancy Rate
22.1%
This area
22.1%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 95.2%
Other/Mixed 4.3%
Hispanic/Latino 2.7%
Asian 0.6%
👶 Under 18
17.5%
This area
17.5%
USA
22.0%
👴 65 and Over
23.6%
This area
23.6%
USA
17.3%
📊 Poverty Rate
8.4%
This area
8.4%
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

Are landlord laws favorable in Delta, AL?

Rental owners in Delta, AL deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

What monthly rent should investors expect in Delta, AL?

Average rent in Delta, AL is approximately $738/mo per month. Against $238K home values that yields a reasonable rent-to-price ratio.

How strong is tenant demand in Delta, AL?

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

Is Delta, AL a good place for real estate investing?

Delta, AL shows an investability rating of 3.0/5, with median home values near $238K and average rents around $738/mo. That combination puts it in the solid tier for investor interest.

How do home values compare in Delta, AL?

Homes in Delta, AL typically sell near $238K. Prices have moved at a 0.0% 5-year CAGR, which predictable long-term demand.

You know 36258 now. You don’t know where it ranks.

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