Real Estate Investing in Whatley, Alabama (36482)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 36482 (Whatley, AL)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 41.2% of homes vacant — above national norms.
- Declining values: -5.4% 5-year CAGR — values have moved lower.
- Elevated poverty: 24.4% poverty rate — can affect rent collection.
- Higher unemployment: 9.0% unemployment — tenant risk signal.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Whatley, AL (36482)?
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Market Analysis: 36482 Whatley
The 36482 ZIP covers a section of Whatley that demands careful diligence. Prices near $117K look accessible, but the work to make a deal cash flow is real.
Rent of $711/mo on a $117K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 36482 sits below the stated 0.0% once reality is priced in.
Regionally, 36482 sits on the difficult end of the AL spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.
Who lives in 36482 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
New investors are better served looking at Whatley's stable or hybrid ZIPs before stepping into 36482. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Whatley:
Market Trends
Home Value History (with trend line)
📊 How Does 36482 Compare?
| Metric | 36482 | Whatley | Alabama |
|---|---|---|---|
| Home Value | $117,049 | $117,049 | $231,003 |
| 5-Year CAGR | N/A | N/A | 5.6% |
| Avg Rent | $711 | $711 | - |
| Cap Rate | 4.7% | 4.7% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 36482 (Whatley, AL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $117,049 |
| Monthly Rent | $711 |
| Price-to-Rent | 13.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.3% |
| Cap Rate | 4.7% |
| 5-Year IRR | N/A |
📈 Home Appreciation
| 1-Year | +1.4% ▲ |
| 3-Year CAGR | -7.4% ▼ |
| 5-Year CAGR | -5.4% ▼ |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.7%). 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.
Demographics in 36482
Population: 1,010
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
Does house hacking work in Whatley, AL?
The a challenging house-hack environment in Whatley, AL reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
What is the rental occupancy rate in Whatley, AL?
Rental vacancy in Whatley, AL is elevated. Investors should budget normal turnover but not chronic empty units.
How strong is tenant demand in Whatley, AL?
Expect a solid tenant pool in Whatley, AL. The rental market absorbs $711/mo rents without meaningful friction.
What is it like being a landlord in Whatley, AL?
The landlord environment in Whatley, AL is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
How does Whatley, AL stack up for property investment?
With a 3.0/5 investability score, Whatley, AL ranks as a solid market for rental property investors. Median prices of $117K and rents of $711/mo drive the underlying numbers.
You know 36482 now. You don’t know where it ranks.
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