Real Estate Investing in Five Points, Alabama (36855)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 36855 (Five Points, AL)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 18.6% of homes vacant — above national norms.
- Flat appreciation: Values have barely moved over 5 years (0.4% CAGR).
- Elevated poverty: 23.4% poverty rate — can affect rent collection.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Five Points, AL (36855)?
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Market Analysis: 36855 Five Points
This part of Chambers County is not an easy win. The 36855 ZIP reports softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 36855 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Regionally, 36855 sits on the difficult end of the AL spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.
A significant renter share of 11% in 36855 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
New investors are better served looking at Five Points's stable or hybrid ZIPs before stepping into 36855. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Five Points:
Market Trends
Home Value History (with trend line)
📊 How Does 36855 Compare?
| Metric | 36855 | Five Points | LaGrange, GA-AL | Alabama |
|---|---|---|---|---|
| Home Value | $174,752 | $174,752 | N/A | $231,003 |
| 5-Year CAGR | 0.4% | 0.4% | N/A | 5.6% |
| Avg Rent | $990 | $990 | N/A | - |
| Cap Rate | 4.4% | 4.4% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 36855 (Five Points, AL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $174,752 |
| Monthly Rent | $990 |
| Price-to-Rent | 14.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.8% |
| Cap Rate | 4.4% |
| 5-Year IRR | 4.8% |
📈 Home Appreciation
| 1-Year | -0.8% ▼ |
| 3-Year CAGR | +0.3% ▲ |
| 5-Year CAGR | +0.4% ▲ |
| 10-Year CAGR | +4.0% ▲ |
🏠 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 (4.4%). 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.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 36855
Population: 1,521
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
How much rent can I charge in Five Points, AL?
Five Points, AL rentals go for roughly $990/mo a month. That puts gross yield in solid territory relative to $175K acquisition costs.
Which real estate strategy fits Five Points, AL?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Five Points, AL. The numbers - $175K homes against $990/mo rents - support that play.
How do home values compare in Five Points, AL?
In Five Points, AL the median home value sits at $175K. Against the broader AL market, that reads as reasonable for most investors.
Should investors consider Five Points, AL?
With a 3.0/5 investability score, Five Points, AL ranks as a solid market for rental property investors. Median prices of $175K and rents of $990/mo drive the underlying numbers.
What kind of tenants rent in Five Points, AL?
Five Points, AL offers a predictable renter base at the $990/mo rent level. Tenant turnover is reasonable for well-managed properties.
You know 36855 now. You don’t know where it ranks.
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How 36855 ranks in LaGrange, GA-AL
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