AccessibleUpdated JUN 1, 2026

Tarrant, AL

ZIP 35217·Jefferson County·Birmingham-Hoover, AL·12,468 residents·Median income $38,769·Leaning Seller

35217 · Tarrant, AL has a HavenScore of 72 — accessible on affordability and fundamentals, per the score.

Compare
72
▼ -4 / 90d#2/91 in ALHavenScore
Rank

Ranked #1 of 13,130 nationally · #1 of 5,378 small market ZIPs

Switch perspective

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

Score inputs below recompute with these weights

Affordability
89/100
Growth
61/100
Risk
55/100
Momentum
77/100
Livability
56/100
Score · trailing 12 mo
76 → 72
-4 points
30-day
+3
90-day
-4
1-yr
-4

Snapshot

Numbers at a glance

Median price
$80,822
Typical home value
YoY change
+5.06%
12-mo trailing
Price-to-income
2.1×
healthy <4.0×
Est. monthly
$470
PITI · 20% · 6.52%
Active listings
50
current count
Days on market
80
median DOM
Vacancy
14.8%
Above-average
Owner-occupied
48%
of homes
Denial rate
26.4%
Above-average
Lending activity
12,315
originations
Net migration
+2.7%
net inflow
Income inflow
$70k
average
Walkability
7.4
Below-average
Risk rating
Relatively Moderate
FEMA NRI

Composition

Pillars behind the score

Affordability

35% of score
89/100
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
61/100
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
55/100
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
77/100
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 6 of 14 signals
Tailwinds4
  • Affordable vs. income
    2.1× income — below the national median
  • Strong price appreciation
    +5.1% year-over-year
  • Strong migration inflow
    +2.7% net — people moving in
  • Strong job market
    2.3% unemployment
Headwinds2
  • Potentially overvalued
    29% above historical price-to-income
  • Slow-moving market
    80 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Leaning Seller

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

+3
Strong buyerBalancedStrong seller
Trend
Heating toward seller

Pulse

What's changed in the last 90 days

🔒 Haven
Steady

Median price

0.4%$81k
🔒 Haven
Falling

Inventory

−27.5%50
🔒 Haven
Rising

Days on market

+14.3%80d
🔒 Haven
Falling

Price cuts

−52.7%13.7%

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

$80,822

▲ +5.06% YoY
Median Rent

$1,128

▲ +3.01% YoY
Active Inventory

50

Days on Market

80 days

Price Cuts

+13.70%

Price-to-Income

2.1×

Median Income

$38,769

Population

12,468

Overvaluation

+29.19%

Trend

Where it's been

Historical Trends

Updated Jun 2026

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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
$470/ mo

20% down · 30-yr fixed · 6.52% · tax 0.40%

Principal$58
Interest$351
Property tax$27
Insurance$34
Rent vs buy
Median rent
$1,128
/ mo
Own (PITI)
$470
/ mo
Monthly gap
$658owning 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 $38,769

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 6.52%

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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 Report35217Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 35217 on Affordability and Growth — sorted by lowest median value.

ZIP 35207
Birmingham
AL
70
$57,645+8.71%
ZIP 35221
Birmingham
AL
73
$60,817+6.63%
ZIP 35020
Bessemer
AL
68
$65,390+1.09%
ZIP 35204
Birmingham
AL
71
$70,254+7.50%

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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