AccessibleUpdated MAY 20, 2026

Bessemer, AL

ZIP 35020·Jefferson County·Birmingham-Hoover, AL·25,308 residents·Median income $33,247·Leaning Buyer

35020 · Bessemer, AL has a HavenScore of 65 — accessible on affordability and fundamentals, per the score.

Compare
65
▼ -4 / 90d#26/91 in ALHavenScore
Rank

Ranked #172 of 13,130 nationally · #84 of 6,756 mid-size ZIPs

Switch perspective

Overall view active — Equal weight across affordability, growth, risk, momentum.

Sub-scores below recompute with these weights

Affordability
85/100
Growth
51/100
Risk
57/100
Momentum
54/100
Livability
62/100
Score · trailing 12 mo
69 → 65
-4 points
30-day
+2
90-day
-4
1-yr
-4

Snapshot

Numbers at a glance

Median price
$65,390
Typical home value
YoY change
+1.09%
12-mo trailing
Price-to-income
2.0×
healthy <4.0×
Est. monthly
$380
PITI · 20% · 6.51%
Active listings
66
current count
Days on market
64
median DOM
Vacancy
18.3%
Above-average
Owner-occupied
56%
of homes
Denial rate
26.4%
Above-average
Lending activity
12,315
originations
Net migration
+2.7%
net inflow
Income inflow
$70k
average
Walkability
11.2
Above-average
Risk rating
Relatively Moderate
FEMA NRI

Composition

Pillars behind the score

Affordability

35% of score
85/100
Price-to-income
Healthy under 4×·ACS · ZHVI
🔒 Haven
Property tax rate
Annual, as % of value·Tax Foundation 2024
🔒 Haven
Median income
Household·Census ACS
🔒 Haven

Growth momentum

25% of score
51/100
12-month price change
Trailing year·Zillow ZHVI
🔒 Haven
12-month rent change
Trailing year·Zillow ZORI
🔒 Haven
Population
Estimated residents·Census ACS
🔒 Haven

Market risk

20% of score
57/100
Overvaluation
vs fundamentals·HavenScore composite
🔒 Haven
Active listings
Raw count — lower is tighter supply·Realtor.com
🔒 Haven
Price cuts
Share of listings·Realtor.com
🔒 Haven

Momentum

20% of score
54/100
Days on market
Median listing age·Realtor.com
🔒 Haven
Buyer / seller gauge
Market balance·HavenScore composite
🔒 Haven
Demand dial
Composite demand signal·HavenScore composite
🔒 Haven

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Signals

What's driving this score

Top 5 of 14 signals
Tailwinds3
  • Affordable vs. income
    2.0× income — below the national median
  • Strong migration inflow
    +2.7% net — people moving in
  • Strong job market
    2.3% unemployment
Headwinds2
  • Potentially overvalued
    21% above historical price-to-income
  • Slow-moving market
    64 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Leaning Buyer

Conditions easing in buyers' favor. Sign in to save this ZIP and track how the score moves.

-28
Strong buyerBalancedStrong seller
Trend
Heating toward seller

Pulse

What's changed in the last 90 days

🔒 Haven
Steady

Median price

0.2%$65k
🔒 Haven
Falling

Inventory

−25.0%66

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

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Metrics

The raw numbers

Median Home Value

$65,390

▲ +1.09% YoY
Median Rent

$1,091

▼ -0.18% YoY
Active Inventory

66

Days on Market

64 days

Price Cuts

+15.56%

Price-to-Income

2.0×

Median Income

$33,247

Population

25,308

Overvaluation

+20.86%

Trend

Where it's been

Historical Trends

Updated May 2026

🔒 Haven
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Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals.

Price Forecast

12-month projection · 80% calibrated interval

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—————
Free · 3 mo  |  Haven · 12 mo →
3-month
🔒 Haven
6-month
🔒 Haven
12-month
🔒 Haven
12-month forecast + confidence intervals + AI-explained drivers unlock with Haven

Forecasts are the model’s projection, not a prediction. Actuals will differ.

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Payment

What you'd owe each month

Est. monthly payment
$380/ mo

20% down · 30-yr fixed · 6.51% · tax 0.40%

Principal$47
Interest$284
Property tax$22
Insurance$27
Rent vs buy
Median rent
$1,091
/ mo
Own (PITI)
$380
/ mo
Monthly gap
$711owning is at or below rent today

Decide

Run the numbers

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 10% down · ZIP median income $33,247

1-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
5-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
30-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven

Equity assumes flat home value; real appreciation could push it higher · Rate 6.51%

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Haven featurefrom $8/mo

The score has more to say about this ZIP.

A list-timing recommendation for sellers — buyer/seller gauge, recent signals, and a polished PDF. Switch to Seller view to generate it.

Report sections · Haven

Buyer / Seller gauge🔒 Haven
Market state callout🔒 Haven
Recent direction in seller-relevant signals🔒 Haven
Net proceeds estimator🔒 Haven
Methodology summary🔒 Haven
  • List-timing recommendation
  • Metro and ZIP context
  • Polished PDF layout
  • Refreshed monthly
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Pro featurefrom $25/mo

The score has more to say about this ZIP.

A four-page editorial PDF: market summary, full pillar breakdown, 5-year history with forecast, alternatives, and a 30-year cost-of-ownership table.

HavenScore Report35020Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 35020 on Affordability and Growth — sorted by lowest median value.

ZIP 71601
Pine Bluff
AR
57
$45,608-11.99%
ZIP 35207
Birmingham
AL
68
$57,645+8.71%
ZIP 35221
Birmingham
AL
71
$60,817+6.63%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals

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