5201 Mike Dr · Clay, AL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $916 – $1,700
Heat risk 6/10 · Moderate
- Hot days now (above 105°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 5/10 · Moderate
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 11 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D+ grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- ARV discount +15.0/15.0
- Cash flow +14.0/30.0
- DSCR +4.2/10.0
- Livability +3.8/5.0
- 1% rule +3.3/10.0
- Rent growth +2.9/5.0
- Condition / age +2.5/5.0
- Schools +1.8/10.0
- Appreciation +0.0/10.0
$190,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This home is bursting with opportunity. .. A great place to call home, or a great property to add to your rental portfolio! This home sits right in the cul-de-sac, has a new front deck with solar lighting, and NEW double pane vinyl windows in the last 5 years! Eat-in kitchen features upgraded cabinetry (including a lazy susan!) and nice black appliances including a Bosch dishwasher! Large 12x20 Storage shed in back with garage door. Huge den/family room (or possible 4th bedroom) downstairs! Walking distance to the new Bryant Elementary school!!
Key facts
- Black appliances
- Lazy susan
- Upgraded cabinetry
Tags
Property features AI
Finance
- Other: Lot size approximately 0.39 acres
- Financial info: Fire fee charged yearly; Garbage fee charged quarterly
- HOA & community: No association fee
Exterior
- Parking: Driveway parking
- Utilities: Public water; Connected sewer; Internet service available
- Home design: Brick over foundation with siding; Basement foundation; Tri-level style indicated by main and basement living areas; Existing (previously built) home
- Construction: Brick-over-foundation and other siding construction
- Exterior features: Open deck; Storage building; No pool; No patio or garden view; Not waterfront
Interior
- Kitchen: Laminate countertops; Dishwasher (built-in); Refrigerator included; Electric stove
- Bedrooms: Master bedroom on main level; Two additional bedrooms on main level; Additional den/family room in the basement
- Flooring: Carpet; Hardwood laminate; Tile; Vinyl
- Bathrooms: One full bath on main level (master bath); One half bath in the basement; Tub/shower combo
- Heating & cooling: Central heating (gas); Central electric cooling
- Interior features: Finished basement with daylight design; Pull-down attic; No special interior features listed; Eating area off the kitchen
- Laundry & utility: Laundry room located in the basement; Washer hookup provided; Electric dryer hookup; Gas water heater
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.5-bath single-family listed at $190k.
Deal economics
- At list price, monthly cash flow is $25 ($298/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $159k (16.5% below list).
- Recommended offer: $159k (16.5% below list) — sets the bar for 1% rule.
- Cap rate 6.4% vs local median 4.7% in Clay — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 75/100 on livability (#16 in AL, #3,849 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A-; Watch: amenities F, commute F.
- Jefferson County (suburban): math 9% / reading 32% proficiency, ranked #104 of 129 in AL (top 81%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Zoned schools: Claychalkville High School (math 6% / reading 9%, grade F, #261 of 305 statewide, top 87%, 1,361 students, 56% FRL).
- Zoned-school proficiency averages 8% at this address vs 20% district-wide (-13 pts) — the specific schools serving this property underperform the Jefferson County average; the district grade overstates school quality for this exact location.
- Market conditions: Rents rising (+1.6%/yr); 186 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
- Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
Negotiation context
- It's been on market 22 days — a 2% lower offer ($187k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 4y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
- Current owner paid $145k; 31% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.83% ✗
- Cap rate
- 6.45%
- Cash-on-cash
- 0.56%
- DSCR
- 1.02
- GRM
- 10.0
CMA / ARV
- ARV (on-the-fly)
- $229,676
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 4544 Sterling Glen Cir | 0.22mi | 3/2.5 | 1,801 (+5%) | 3mo | $244,900 | $136 | 75 |
| 5019 Darlene Dr | 0.07mi | 4/2.0 (+1) | 1,590 (-7%) | 6mo | $100,000 | $63 | 73 |
| 4976 Kerri Ln | 0.22mi | 4/2.0 (+1) | 1,642 (-4%) | 10mo | $269,900 | $164 | 68 |
| 4533 Winchester Hills Way | 0.42mi | 3/2.0 | 1,643 (-4%) | 10mo | $202,000 | $123 | 63 |
| 4968 Kerri Ln | 0.25mi | 3/2.0 | 1,484 (-13%) | 2mo | $257,000 | $173 | 63 |
| 2566 Redwood Ln | 0.43mi | 3/2.0 | 1,820 (+6%) | 8mo | $215,000 | $118 | 61 |
| 5132 Alex Way | 0.47mi | 3/2.0 | 1,884 (+10%) | 1mo | $245,500 | $130 | 58 |
| 5540 Matt Aaron Ln | 0.57mi | 2/2.0 (-1) | 1,761 (+3%) | 4mo | $190,000 | $108 | 58 |
| 700 Gable Dr | 0.60mi | 3/2.0 | 1,596 (-7%) | 2mo | $245,000 | $154 | 57 |
| 5070 Abbey Ln | 0.36mi | 2/2.0 (-1) | 1,877 (+10%) | 10mo | $249,000 | $133 | 52 |
| 2645 Chestnut Way | 0.59mi | 3/2.0 | 1,872 (+9%) | 4mo | $250,000 | $134 | 51 |
| 2836 Arrowhead Dr | 0.72mi | 4/2.5 (+1) | 1,622 (-5%) | 11mo | $220,000 | $136 | 39 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 1.61% rent growth · sell at horizon
- IRR
- -16.9%
- Equity multiple
- 0.41×
- Total profit
- $-31,423
- Equity at exit
- $28,330
- IRR
- -11.4%
- Equity multiple
- 0.36×
- Total profit
- $-34,171
- Equity at exit
- $16,428
Cash invested: $53,200 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 90 Strongly Landlord-Friendly
- State Alabama
- 90 Strongly Landlord-Friendly · R+15
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 35126
- Home prices YoY
- -22.4%
- Rents YoY
- 1.6%
- Active inventory
- 186
- Price-to-rent
- 10.0×
Monthly cashflow live
- Estimated rent
- $1,586 high interval (Pro) →
- Mortgage (P&I)
- −$996
- Tax from tax record
- −$153 /mo · $1,832/yr
- Insurance
- −$79
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$333
- Net cashflow
- $25
Break-even live
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $47,500
- Closing costs
- $5,700
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 5010 Darlene Dr Pinson, AL | 3.0 | 2.0 | 1914 | $1,550 | $0.81 | 23d | 1 | 0.08mi |
| 5140 Hickory Dr NE Pinson, AL | 3.0 | 1.5 | 1518 | $1,465 | $0.97 | 21d | 1 | 0.12mi |
| 5240 Jean Dr Pinson, AL | 4.0 | 2.0 | 1714 | $1,695 | $0.99 | 43d | 1 | 0.21mi |
| 2504 Beechwood Trl Pinson, AL | 3.0 | 2.0 | 1359 | $1,435 | $1.06 | 21d | 1 | 0.50mi |
| 4464 Winchester Hills Way Birmingham, AL | 3.0 | 2.0 | 1178 | $1,750 | $1.49 | 43d | 1 | 0.56mi |
| 4464 Winchester Hills Ln Pinson, AL | 3.0 | 2.0 | 1500 | $1,750 | $1.17 | 11d | 1 | 0.57mi |
| 5520 Desoto Cir Pinson, AL | 3.0 | 2.0 | 1720 | $1,823 | $1.06 | 11d | 1 | 0.66mi |
| 2415 Ormond Dr Center Point, AL | 3.0 | 1.5 | 1194 | $1,295 | $1.08 | 43d | 1 | 0.66mi |
| 1104 Oak Creek Trl NE Birmingham, AL | 3.0 | 2.0 | 1233 | $1,543 | $1.25 | 1d | 1 | 0.79mi |
| 5764 Desoto Dr Pinson, AL | 3.0 | 1.5 | 1104 | $1,225 | $1.11 | 1d | 1 | 0.85mi |
| 607 Country View Dr Birmingham, AL | 4.0 | 2.0 | 1568 | $1,550 | $0.99 | 23d | 1 | 0.97mi |
| 2708 7th St NE Center Point, AL | 3.0 | 1.0 | 1451 | $1,150 | $0.79 | 43d | 1 | 0.98mi |
| 605 Country View Dr Birmingham, AL | 3.0 | 2.0 | 1698 | $1,560 | $0.92 | 43d | 1 | 0.99mi |
| 2358 Grayson Valley Cir Birmingham, AL | 3.0 | 3.0 | 1320 | $1,503 | $1.14 | 11d | 1 | 1.00mi |
| 2655 6th St NE Center Point, AL | 3.0 | 2.0 | 1600 | $1,390 | $0.87 | 2d | 1 | 1.01mi |
| 2350 Grayson Valley Cir Birmingham, AL | 3.0 | 2.5 | 1380 | $1,595 | $1.16 | 43d | 1 | 1.02mi |
| 2561 Gaylon St Birmingham, AL | 3.0 | 1.5 | 1318 | $1,345 | $1.02 | 21d | 1 | 1.04mi |
| 2345 Grayson Valley Cir Birmingham, AL | 2.0 | 1.5 | 1056 | $1,150 | $1.09 | 2d | 1 | 1.06mi |
| 2025 Brewster Rd Birmingham, AL | 3.0 | 2.0 | 1369 | $1,450 | $1.06 | 23d | 1 | 1.15mi |
| 2258 Cheshire Dr Birmingham, AL | 2.0 | 2.0 | 1152 | $1,050 | $0.91 | 43d | 1 | 1.17mi |
| 5528 Saint James St Birmingham, AL | 2.0 | 1.5 | 1072 | $1,150 | $1.07 | 43d | 1 | 1.22mi |
| 2505 Martin Rd Birmingham, AL | 4.0 | 2.0 | 1551 | $1,550 | $1.00 | 1d | 1 | 1.24mi |
| 2463 Hampstead Dr Birmingham, AL | 2.0 | 1.5 | 1100 | $1,127 | $1.02 | 2d | 1 | 1.24mi |
| 5531 Saint James St Birmingham, AL | 2.0 | 1.5 | 1072 | $950 | $0.89 | 43d | 1 | 1.25mi |
| 5944 Tyler Loop Rd Pinson, AL | 3.0 | 2.0 | 1247 | $1,485 | $1.19 | 23d | 1 | 1.28mi |
| 3005 Sweeney Hollow Pl Birmingham, AL | 3.0 | 2.0 | 2014 | $1,325 | $0.66 | 14d | 1 | 1.28mi |
| 2202 Cheshire Dr Birmingham, AL | 3.0 | 2.5 | 1536 | $1,325 | $0.86 | 2d | 1 | 1.28mi |
| 2487 Hampstead Dr Birmingham, AL | 2.0 | 1.5 | 1163 | $995 | $0.86 | 2d | 1 | 1.31mi |
| 1817 Lyle Dr Birmingham, AL | 4.0 | 2.0 | 1361 | $1,605 | $1.18 | 23d | 1 | 1.31mi |
| 2232 6th St NE Center Point, AL | 3.0 | 1.0 | 1550 | $1,150 | $0.74 | 43d | 1 | 1.32mi |
| 2524 Daly Dr Birmingham, AL | 3.0 | 2.0 | 1080 | $1,565 | $1.45 | 43d | 1 | 1.33mi |
| 856 Parkbrook Trl Birmingham, AL | 1.0–3.0 | 1.0–2.0 | 925 | $1,180 | $1.28 | 1d | 10 | 1.34mi |
| 1819 Valley Run Cir Birmingham, AL | 4.0 | 2.5 | 1694 | $1,761 | $1.04 | 43d | 1 | 1.34mi |
| 600 20th Ct NE Center Point, AL | 3.0 | 2.0 | 1878 | $1,650 | $0.88 | 23d | 1 | 1.37mi |
| 2249 4th Place Cir NE Center Point, AL | 3.0 | 1.5 | 1400 | $1,400 | $1.00 | 43d | 1 | 1.38mi |
| 2543 Hampstead Dr Birmingham, AL | 2.0 | 2.5 | 1272 | $1,123 | $0.88 | 23d | 1 | 1.41mi |
| 3309 Chase Ln Unit 3309 Birmingham, AL | 2.0 | 2.0 | 1068 | $1,000 | $0.94 | 43d | 1 | 1.45mi |
| 5505 Leighaven Way Pinson, AL | 3.0 | 2.5 | 1682 | $2,000 | $1.19 | 10d | 1 | 1.45mi |
| 2629 Wood Dr NE Center Point, AL | 3.0 | 1.0 | 1203 | $1,250 | $1.04 | 43d | 1 | 1.48mi |
| 332 23rd Ave NE Center Point, AL | 3.0 | 1.0 | 1100 | $1,350 | $1.23 | 2d | 1 | 1.48mi |
Listing history 26 events
-
2026-06-18days on market $190,000 Active 22 DOM
-
2026-06-17days on market $190,000 Active 21 DOM
-
2026-06-16days on market $190,000 Active 20 DOM
-
2026-06-15days on market $190,000 Active 19 DOM
-
2026-06-13days on market $190,000 Active 17 DOM
-
2026-06-10days on market $190,000 Active 14 DOM
-
2026-06-09days on market $190,000 Active 13 DOM
-
2026-06-08days on market $190,000 Active 12 DOM
-
2026-06-07days on market $190,000 Active 11 DOM
-
2026-06-03days on market $190,000 Active 7 DOM
-
2026-06-02days on market $190,000 Active 6 DOM
-
2026-06-01days on market $190,000 Active 5 DOM
-
2026-05-31days on market $190,000 Active 4 DOM
-
2026-05-27$190,000 Active
-
2022-05-30price $1,325
-
2022-03-24soldstatus $145,000
-
2022-03-10soldstatus $108,900
-
2022-03-08soldstatus $135,000 Sold 551-char remark
Show marketing remark (551 chars)
This home is bursting with opportunity. .. A great place to call home, or a great property to add to your rental portfolio! This home sits right in the cul-de-sac, has a new front deck with solar lighting, and NEW double pane vinyl windows in the last 5 years! Eat-in kitchen features upgraded cabinetry (including a lazy susan!) and nice black appliances including a Bosch dishwasher! Large 12x20 Storage shed in back with garage door. Huge den/family room (or possible 4th bedroom) downstairs! Walking distance to the new Bryant Elementary school!!
-
2022-02-24status Pending 551-char remark
Show marketing remark (551 chars)
This home is bursting with opportunity. .. A great place to call home, or a great property to add to your rental portfolio! This home sits right in the cul-de-sac, has a new front deck with solar lighting, and NEW double pane vinyl windows in the last 5 years! Eat-in kitchen features upgraded cabinetry (including a lazy susan!) and nice black appliances including a Bosch dishwasher! Large 12x20 Storage shed in back with garage door. Huge den/family room (or possible 4th bedroom) downstairs! Walking distance to the new Bryant Elementary school!!
-
2022-02-16historical 551-char remark
Show marketing remark (551 chars)
This home is bursting with opportunity. .. A great place to call home, or a great property to add to your rental portfolio! This home sits right in the cul-de-sac, has a new front deck with solar lighting, and NEW double pane vinyl windows in the last 5 years! Eat-in kitchen features upgraded cabinetry (including a lazy susan!) and nice black appliances including a Bosch dishwasher! Large 12x20 Storage shed in back with garage door. Huge den/family room (or possible 4th bedroom) downstairs! Walking distance to the new Bryant Elementary school!!
-
2022-02-15status Active 551-char remark
Show marketing remark (551 chars)
This home is bursting with opportunity. .. A great place to call home, or a great property to add to your rental portfolio! This home sits right in the cul-de-sac, has a new front deck with solar lighting, and NEW double pane vinyl windows in the last 5 years! Eat-in kitchen features upgraded cabinetry (including a lazy susan!) and nice black appliances including a Bosch dishwasher! Large 12x20 Storage shed in back with garage door. Huge den/family room (or possible 4th bedroom) downstairs! Walking distance to the new Bryant Elementary school!!
-
2022-02-07historical Contingent 551-char remark
Show marketing remark (551 chars)
This home is bursting with opportunity. .. A great place to call home, or a great property to add to your rental portfolio! This home sits right in the cul-de-sac, has a new front deck with solar lighting, and NEW double pane vinyl windows in the last 5 years! Eat-in kitchen features upgraded cabinetry (including a lazy susan!) and nice black appliances including a Bosch dishwasher! Large 12x20 Storage shed in back with garage door. Huge den/family room (or possible 4th bedroom) downstairs! Walking distance to the new Bryant Elementary school!!
-
2022-02-01$159,900 Active 551-char remark
Show marketing remark (551 chars)
This home is bursting with opportunity. .. A great place to call home, or a great property to add to your rental portfolio! This home sits right in the cul-de-sac, has a new front deck with solar lighting, and NEW double pane vinyl windows in the last 5 years! Eat-in kitchen features upgraded cabinetry (including a lazy susan!) and nice black appliances including a Bosch dishwasher! Large 12x20 Storage shed in back with garage door. Huge den/family room (or possible 4th bedroom) downstairs! Walking distance to the new Bryant Elementary school!!
-
2022-01-30historical $159,900 551-char remark
Show marketing remark (551 chars)
This home is bursting with opportunity. .. A great place to call home, or a great property to add to your rental portfolio! This home sits right in the cul-de-sac, has a new front deck with solar lighting, and NEW double pane vinyl windows in the last 5 years! Eat-in kitchen features upgraded cabinetry (including a lazy susan!) and nice black appliances including a Bosch dishwasher! Large 12x20 Storage shed in back with garage door. Huge den/family room (or possible 4th bedroom) downstairs! Walking distance to the new Bryant Elementary school!!
-
2009-04-28soldstatus $49,000
-
1990-03-29soldstatus $51,074
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast AL · Resets to sale price
- Current annual tax
- $1,832 · $153/mo
- Projected year-2 tax
- $1,832 · $153/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 6/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
- Wind 6/10 Major 27% chance of damaging wind over 30 yrs
- Air quality 5/10 Major 6 unhealthy d/yr today · 11 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $19,033
- − Mortgage interest
- −$10,643
- − Property taxes
- −$1,832
- − Insurance
- −$950
- − Repairs & maintenance
- −$1,523
- − Management
- −$1,523
- − Depreciation
- −$5,527
- Taxable loss
- −$2,964
- Est. tax savings @ 24.0%
- +$711
- After-tax cash flow
- $1,009/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Jefferson County
- NCES district ID
- 0101920
- Math proficiency
- 9% ▼ -24.00%
- Reading proficiency
- 32% ▼ -5.00%
- Median HH income
- $51,712
- Composite
- 18.4/100
- National rank
- #8937
- State rank
- #104 of 129 in AL
Livability — Clay
- Score
- 75/100
- State rank
- #16
- US rank
- #3849
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Clay, AL
- County
- Jefferson County · 527,445 people
- City population
- 22,599
- Metro
- Birmingham-Hoover, AL
- Population (ZIP)
- 22,599
- Household income
- $83,732
- Rent vs Own
- Severe rent burden
- 267.0
Population outlook (Jefferson County) Hauer SSP2
- Today (2025)
- 669,185 people
- By 2030
- 669,694 · +0.1%
- By 2040
- 661,388 · -1.2%
- By 2050
- 643,086 · -3.9%
- By 2075
- 577,267 · -13.7%
- By 2100
- 474,758 · -29.1%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.58)
- Race & ethnicity
- White 58% Black 28% Hispanic / Latino 8% Two or more races 7% Asian 2%
- Hispanic origin (detail)
- Mexican 5% Puerto Rican 1%
- Common ancestry
- Slovak 2% Lithuanian 1% Italian 1%
- Foreign-born
- 5% · Canada, China, Jamaica
- Languages at home
- 92% English-only · Spanish 5% Vietnamese 1% Chinese 0%
Political lean MEDSL · Jefferson
- 2024 margin
- D (+10.4) · D 54.6% · R 44.2% · Other 1.2%
- 2008→2024 swing
- +5.4pp toward D · 2008: 5.1pp · 2024: 10.4pp
- All cycles
- 2024: D+10.4 2020: D+13.2 2016: D+7.2 2012: D+6.0 2008: D+5.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -54.52%
- Current HPI
- 188.6439
- Rent YoY
- ▲ 1.61%
- Metro
- Birmingham-Hoover, AL
- State GDP YoY
- ▲ 2.94%
- F500 in state
- 4
Industry mix (Fortune 500 HQ in AL)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Financial Services | 1 | $8B |
|
||
| Healthcare | 1 | $5B |
|
||
Price history
+272.0% since first listed13 events — show timeline
- 2026-05-27 Listed $190,000 Greater Alabama MLS
- 2022-05-30 Price Changed $1,325 RENT.
- 2022-03-24 Sold (Public Records) $145,000 Public Records
- 2022-03-10 Sold (Public Records) $108,900 Public Records
- 2022-03-08 Sold (MLS) $135,000 Greater Alabama MLS
- 2022-02-24 Pending — Greater Alabama MLS
- 2022-02-16 Delisted — Greater Alabama MLS
- 2022-02-15 Relisted — Greater Alabama MLS
- 2022-02-07 Contingent — Greater Alabama MLS
- 2022-02-01 Listed $159,900 Greater Alabama MLS
- 2022-01-30 Coming Soon $159,900 Greater Alabama MLS
- 2009-04-28 Sold (Public Records) $49,000 Public Records
- 1990-03-29 Sold (Public Records) $51,074 Public Records
Property tax history
+5.2%/yrLatest (2025): $1,832 · +0.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…