7433 Rome Ave · Birmingham, 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 106°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
- 7 days/yr
- Unhealthy air days in 30 yrs
- 9 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).
- Cash flow +15.5/30.0
- ARV discount +8.0/15.0
- DSCR +4.8/10.0
- Livability +3.4/5.0
- 1% rule +3.3/10.0
- Rent growth +3.0/5.0
- Condition / age +2.5/5.0
- Schools +0.9/10.0
- Appreciation +0.0/10.0
$134,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Welcome to 7433 Rome Avenue! A BEAUTIFUL renovated home that perfectly blends modern updates with timeless charm. From the moment you arrive, you’ll appreciate the inviting curb appeal. Step inside to discover refinished hardwood floors throughout, complemented by a bright, clean interior with fresh paint that creates a warm and welcoming atmosphere. The heart of the home features a newly remodeled kitchen equipped with granite countertops, a smart French door refrigerator, and a stainless steel smooth-top range, perfect for both everyday living and entertaining. Downstairs, the basement offers additional flexibility, including a bonus bedroom, ideal for guests, a home office, or added living space. With a basement garage and driveway parking, convenience is built right in. Whether you’re a first-time homebuyer looking for a move-in ready space or an investor seeking a solid opportunity, this home checks all the boxes.
Key facts
- 6,969 sq ft lot
- Garage
- Built 1957
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath single-family listed at $135k.
Deal economics
- At list price, monthly cash flow is $55 ($663/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 $112k (17.1% below list).
- Recommended offer: $112k (17.1% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 67/100 on livability (#78 in AL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities C-, schools F, crime F.
- Birmingham City (urban): math 4% / reading 20% proficiency, ranked #116 of 129 in AL (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: Rents rising (+1.8%/yr); 130 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
- This rent runs 32% of the median local income ($43k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k 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 88 days — a 6% lower offer ($127k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 9y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
- 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
- It's been on market 88 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
- Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- 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
- 6.78%
- Cash-on-cash
- 1.76%
- DSCR
- 1.08
- GRM
- 10.1
CMA / ARV
- ARV (median comp)
- $136,504
- List price
- $134,900
- Delta
- -1.18%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 7416 Rome Ave | 0.05mi | 3/1.0 (+1) | 1,438 (-0%) | 9mo | $116,000 | $81 | 85 |
| 713 77th Pl S | 0.24mi | 3/1.0 (+1) | 1,364 (-5%) | 2mo | $215,000 | $158 | 73 |
| 7332 Sparta Ave | 0.13mi | 3/3.0 (+1) | 1,396 (-3%) | 7mo | $181,500 | $130 | 70 |
| 7705 Belmont Ave | 0.17mi | 3/1.0 (+1) | 1,324 (-8%) | 5mo | $60,000 | $45 | 70 |
| 7729 Belmont Ave | 0.20mi | 3/1.0 (+1) | 1,606 (+11%) | 2mo | $122,000 | $76 | 65 |
| 912 Vanderbilt St | 0.31mi | 3/2.0 (+1) | 1,560 (+8%) | 2mo | $75,000 | $48 | 61 |
| 7815 4th Ave S | 0.59mi | 3/2.0 (+1) | 1,496 (+4%) | 3mo | $74,000 | $49 | 55 |
| 913 77th St S | 0.22mi | 3/1.5 (+1) | 1,238 (-14%) | 8mo | $65,000 | $53 | 52 |
| 7212 Oporto Madrid Blvd | 0.45mi | 3/1.0 (+1) | 1,604 (+11%) | 4mo | $160,000 | $100 | 51 |
| 7810 3rd Ave S | 0.69mi | 3/3.0 (+1) | 1,372 (-5%) | 8mo | $22,500 | $16 | 40 |
| 775 81st Pl S | 0.63mi | 3/1.0 (+1) | 1,232 (-15%) | 6mo | $103,000 | $84 | 36 |
| 515 72nd St S | 0.73mi | 3/1.5 (+1) | 1,290 (-10%) | 7mo | $105,500 | $82 | 35 |
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 · 1.82% rent growth · sell at horizon
- IRR
- -14.7%
- Equity multiple
- 0.48×
- Total profit
- $-19,699
- Equity at exit
- $20,114
- IRR
- -8.0%
- Equity multiple
- 0.52×
- Total profit
- $-18,070
- Equity at exit
- $11,664
Cash invested: $37,772 (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 35206
- Home prices YoY
- -32.0%
- Rents YoY
- 1.8%
- Active inventory
- 130
- Price-to-rent
- 10.1×
Monthly cashflow live
- Estimated rent
- $1,118 high interval (Pro) →
- Mortgage (P&I)
- −$707
- Tax from tax record
- −$65 /mo · $775/yr
- Insurance
- −$56
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$235
- Net cashflow
- $55
Break-even live
Sensitivity live
| Price | -10% $132 | -5% $93 | +0% $55 | +5% $17 | +10% $-21 |
|---|---|---|---|---|---|
| Rent | -10% $-33 | -5% $11 | +0% $55 | +5% $99 | +10% $144 |
| Rate | -1.0pp $123 | -0.5pp $90 | base $55 | +0.5pp $20 | +1.0pp $-15 |
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
- $33,725
- Closing costs
- $4,047
- 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 |
|---|---|---|---|---|---|---|---|---|
| 7341 Rome Ave Birmingham, AL | 3.0 | 1.0 | 1000 | $1,275 | $1.27 | 4d | 1 | 0.09mi |
| 7341 Rome Ave Birmingham, AL | 3.0 | 1.0 | 1000 | $1,300 | $1.30 | 44d | 1 | 0.09mi |
| 836 Vanderbilt St Birmingham, AL | 3.0 | 1.0 | 1072 | $850 | $0.79 | 24d | 1 | 0.14mi |
| 7313 Paris Ave Birmingham, AL | 3.0 | 2.0 | 1000 | $1,395 | $1.40 | 4d | 1 | 0.19mi |
| 756 Vanderbilt St Birmingham, AL | 3.0 | 2.0 | 1096 | $1,000 | $0.91 | 44d | 1 | 0.20mi |
| 7825 Rugby Ct Birmingham, AL | 2.0 | 1.0 | 929 | $875 | $0.94 | 22d | 1 | 0.30mi |
| 7216 Paris Ave Birmingham, AL | 3.0 | 1.5 | 966 | $1,125 | $1.16 | 20d | 1 | 0.30mi |
| 630 77th St S Birmingham, AL | 2.0 | 2.0 | 1100 | $983 | $0.89 | 4d | 1 | 0.30mi |
| 7808 Vienna Ave Birmingham, AL | 2.0 | 1.0 | 904 | $850 | $0.94 | 44d | 1 | 0.33mi |
| 7823 Rugby Ave Birmingham, AL | 3.0 | 1.0 | 1023 | $1,175 | $1.15 | 44d | 1 | 0.35mi |
| 7827 Rugby Ave Birmingham, AL | 3.0 | 1.0 | 1365 | $850 | $0.62 | 4d | 1 | 0.36mi |
| 7213 Naples Ave Birmingham, AL | 3.0 | 1.5 | 925 | $1,100 | $1.19 | 44d | 1 | 0.37mi |
| 7213 Naples Ave Birmingham, AL | 3.0 | 1.5 | 937 | $1,100 | $1.17 | 12d | 1 | 0.37mi |
| 832 79th Pl S Birmingham, AL | 3.0 | 1.0 | 960 | $1,250 | $1.30 | 24d | 1 | 0.37mi |
| 768 80th Pl S Unit 1 Birmingham, AL | 3.0 | 2.0 | 1134 | $1,200 | $1.06 | 44d | 1 | 0.50mi |
| 8013 Rugby Ave Birmingham, AL | 3.0 | 2.0 | 1460 | $1,150 | $0.79 | 24d | 1 | 0.52mi |
| 7931 7th Ave S Birmingham, AL | 3.0 | 1.0 | 1320 | $1,450 | $1.10 | 44d | 1 | 0.53mi |
| 409 Oporto Madrid Blvd Unit J Birmingham, AL | 1.0 | 1.0 | 952 | $850 | $0.89 | 44d | 1 | 0.54mi |
| 7620 4th Ave S Birmingham, AL | 3.0 | 1.0 | 1144 | $1,025 | $0.90 | 44d | 1 | 0.59mi |
| 7815 4th Ave S Birmingham, AL | 3.0 | 2.0 | 1496 | $1,650 | $1.10 | 2d | 1 | 0.60mi |
| 735 81st St S Birmingham, AL | 3.0 | 2.0 | 1224 | $1,400 | $1.14 | 24d | 1 | 0.63mi |
| 731 81st St S Birmingham, AL | 3.0 | 1.0 | 1221 | $995 | $0.81 | 11d | 1 | 0.64mi |
| 775 81st Pl S Birmingham, AL | 3.0 | 1.0 | 1232 | $1,095 | $0.89 | 24d | 1 | 0.65mi |
| 7801 3rd Ave S Unit B Birmingham, AL | 2.0 | 1.5 | 1100 | $1,000 | $0.91 | 44d | 1 | 0.66mi |
| 8122 Rugby Ave Unit B Birmingham, AL | 2.0 | 1.0 | 900 | $795 | $0.88 | 44d | 1 | 0.67mi |
| 7829 3rd Ave S Birmingham, AL | 3.0 | 1.5 | 1005 | $1,025 | $1.02 | 44d | 1 | 0.69mi |
| 512 81st St S Birmingham, AL | 3.0 | 1.0 | 1156 | $1,150 | $0.99 | 44d | 1 | 0.70mi |
| 7125 6th Ave S Birmingham, AL | 3.0 | 2.0 | 1584 | $1,188 | $0.75 | 4d | 1 | 0.74mi |
| 8035 4th Ave S Birmingham, AL | 3.0 | 2.0 | 1096 | $1,050 | $0.96 | 44d | 1 | 0.75mi |
| 730 82nd Pl S Birmingham, AL | 3.0 | 1.0 | 896 | $1,023 | $1.14 | 4d | 1 | 0.76mi |
| 8229 9th Ave S Birmingham, AL | 2.0 | 1.0 | 997 | $1,195 | $1.20 | 4d | 1 | 0.77mi |
| 7721 1st Ave S Birmingham, AL | 3.0 | 1.0 | 956 | $949 | $0.99 | 24d | 1 | 0.77mi |
| 605 71st St S Birmingham, AL | 3.0 | 1.5 | 1024 | $1,303 | $1.27 | 3d | 1 | 0.78mi |
| 745 82nd Pl S Birmingham, AL | 3.0 | 2.0 | 1200 | $1,168 | $0.97 | 3d | 1 | 0.78mi |
| 7728 1st Ave S Apt C Birmingham, AL | 2.0 | 1.0 | 950 | $950 | $1.00 | 44d | 1 | 0.82mi |
| 8108 4th Ave S Birmingham, AL | 3.0 | 2.0 | 1384 | $1,200 | $0.87 | 44d | 1 | 0.84mi |
| 7129 3rd Ave S Birmingham, AL | 3.0 | 2.0 | 1264 | $1,095 | $0.87 | 4d | 1 | 0.87mi |
| 7025 4th Ave S Birmingham, AL | 3.0 | 1.0 | 1090 | $845 | $0.78 | 44d | 1 | 0.90mi |
| 7330 1st Ave S Birmingham, AL | 3.0 | 1.0 | 1299 | $1,000 | $0.77 | 3d | 1 | 0.90mi |
| 8021 1st Ave S Unit A Birmingham, AL | 3.0 | 1.0 | 980 | $950 | $0.97 | 24d | 1 | 0.91mi |
Listing history 30 events
-
2026-06-21days on market $134,900 Active 88 DOM
-
2026-06-18price $134,900 Active 85 DOM
-
2026-06-18days on market $139,900 Active 85 DOM
-
2026-06-17days on market $139,900 Active 84 DOM
-
2026-06-16days on market $139,900 Active 83 DOM
-
2026-06-15days on market $139,900 Active 82 DOM
-
2026-06-13days on market $139,900 Active 80 DOM
-
2026-06-10days on market $139,900 Active 77 DOM
-
2026-06-09days on market $139,900 Active 76 DOM
-
2026-06-08days on market $139,900 Active 75 DOM
-
2026-06-07days on market $139,900 Active 74 DOM
-
2026-06-03days on market $139,900 Active 70 DOM
-
2026-06-02days on market $139,900 Active 69 DOM
-
2026-06-01days on market $139,900 Active 68 DOM
-
2026-05-31days on market $139,900 Active 67 DOM
-
2026-05-19price $139,900 944-char remark
Show marketing remark (944 chars)
Welcome to 7433 Rome Avenue! A BEAUTIFUL renovated home that perfectly blends modern updates with timeless charm. From the moment you arrive, you’ll appreciate the inviting curb appeal. Step inside to discover refinished hardwood floors throughout, complemented by a bright, clean interior with fresh paint that creates a warm and welcoming atmosphere. The heart of the home features a newly remodeled kitchen equipped with granite countertops, a smart French door refrigerator, and a stainless steel smooth-top range, perfect for both everyday living and entertaining. Downstairs, the basement offers additional flexibility, including a bonus bedroom, ideal for guests, a home office, or added living space. With a basement garage and driveway parking, convenience is built right in. Whether you’re a first-time homebuyer looking for a move-in ready space or an investor seeking a solid opportunity, this home checks all the boxes.
-
2026-03-25$144,900 Active 944-char remark
Show marketing remark (944 chars)
Welcome to 7433 Rome Avenue! A BEAUTIFUL renovated home that perfectly blends modern updates with timeless charm. From the moment you arrive, you’ll appreciate the inviting curb appeal. Step inside to discover refinished hardwood floors throughout, complemented by a bright, clean interior with fresh paint that creates a warm and welcoming atmosphere. The heart of the home features a newly remodeled kitchen equipped with granite countertops, a smart French door refrigerator, and a stainless steel smooth-top range, perfect for both everyday living and entertaining. Downstairs, the basement offers additional flexibility, including a bonus bedroom, ideal for guests, a home office, or added living space. With a basement garage and driveway parking, convenience is built right in. Whether you’re a first-time homebuyer looking for a move-in ready space or an investor seeking a solid opportunity, this home checks all the boxes.
-
2026-03-19historical $144,900 944-char remark
Show marketing remark (944 chars)
Welcome to 7433 Rome Avenue! A BEAUTIFUL renovated home that perfectly blends modern updates with timeless charm. From the moment you arrive, you’ll appreciate the inviting curb appeal. Step inside to discover refinished hardwood floors throughout, complemented by a bright, clean interior with fresh paint that creates a warm and welcoming atmosphere. The heart of the home features a newly remodeled kitchen equipped with granite countertops, a smart French door refrigerator, and a stainless steel smooth-top range, perfect for both everyday living and entertaining. Downstairs, the basement offers additional flexibility, including a bonus bedroom, ideal for guests, a home office, or added living space. With a basement garage and driveway parking, convenience is built right in. Whether you’re a first-time homebuyer looking for a move-in ready space or an investor seeking a solid opportunity, this home checks all the boxes.
-
2021-07-01soldstatus $125,000
-
2021-06-30soldstatus $125,000 Sold 475-char remark
Show marketing remark (475 chars)
PRICE REDUCTION!!!! Come and look at this beautiful newly renovated home. Which features newly remodeled kitchen with granite countertops, new smart French door refrigerator, new smooth surface stainless range. Hardwoods throughout have just been sanded and finished, interior and exterior freshly painted, basement garage and driveway parking. Great starter home or investment opportunity. This home will not last long. The basement has an added bedroom that is 15x9 sq. ft.
-
2021-06-18historical 475-char remark
Show marketing remark (475 chars)
PRICE REDUCTION!!!! Come and look at this beautiful newly renovated home. Which features newly remodeled kitchen with granite countertops, new smart French door refrigerator, new smooth surface stainless range. Hardwoods throughout have just been sanded and finished, interior and exterior freshly painted, basement garage and driveway parking. Great starter home or investment opportunity. This home will not last long. The basement has an added bedroom that is 15x9 sq. ft.
-
2021-05-26historical Contingent 475-char remark
Show marketing remark (475 chars)
PRICE REDUCTION!!!! Come and look at this beautiful newly renovated home. Which features newly remodeled kitchen with granite countertops, new smart French door refrigerator, new smooth surface stainless range. Hardwoods throughout have just been sanded and finished, interior and exterior freshly painted, basement garage and driveway parking. Great starter home or investment opportunity. This home will not last long. The basement has an added bedroom that is 15x9 sq. ft.
-
2021-04-29price $129,900 475-char remark
Show marketing remark (475 chars)
PRICE REDUCTION!!!! Come and look at this beautiful newly renovated home. Which features newly remodeled kitchen with granite countertops, new smart French door refrigerator, new smooth surface stainless range. Hardwoods throughout have just been sanded and finished, interior and exterior freshly painted, basement garage and driveway parking. Great starter home or investment opportunity. This home will not last long. The basement has an added bedroom that is 15x9 sq. ft.
-
2021-03-31$144,900 Active 475-char remark
Show marketing remark (475 chars)
PRICE REDUCTION!!!! Come and look at this beautiful newly renovated home. Which features newly remodeled kitchen with granite countertops, new smart French door refrigerator, new smooth surface stainless range. Hardwoods throughout have just been sanded and finished, interior and exterior freshly painted, basement garage and driveway parking. Great starter home or investment opportunity. This home will not last long. The basement has an added bedroom that is 15x9 sq. ft.
-
2017-10-31soldstatus $5,000 Sold
-
2017-10-24historical
-
2017-10-24historical Contingent
-
2017-10-24$9,900 Active
-
2000-09-29soldstatus $39,000
-
1989-10-01soldstatus $32,115
ⓘ 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
- $775 · $65/mo
- Projected year-2 tax
- $775 · $65/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 ≥106°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 7 unhealthy d/yr today · 9 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
- $13,420
- − Mortgage interest
- −$7,556
- − Property taxes
- −$775
- − Insurance
- −$674
- − Repairs & maintenance
- −$1,074
- − Management
- −$1,074
- − Depreciation
- −$3,924
- Taxable loss
- −$1,657
- Est. tax savings @ 24.0%
- +$398
- After-tax cash flow
- $1,061/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
- Birmingham City
- NCES district ID
- 0100390
- Math proficiency
- 4% ▼ -17.00%
- Reading proficiency
- 20% ▼ -4.00%
- Median HH income
- $31,988
- Composite
- 9.49/100
- National rank
- #9850
- State rank
- #116 of 129 in AL
Livability — Birmingham
- Score
- 67/100
- State rank
- #78
- US rank
- #10412
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Birmingham, AL
- County
- Jefferson County · 527,445 people
- City population
- 210,422
- Metro
- Birmingham-Hoover, AL
- Population (ZIP)
- 15,621
- Household income
- $42,549
- Rent vs Own
- Severe rent burden
- 1169.0
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
- Predominantly Black (73%)
- Race & ethnicity
- Black 73% White 22% Two or more races 3% Hispanic / Latino 2%
- Common ancestry
- Slovak 1%
- Foreign-born
- 3% · Canada
- Languages at home
- 97% English-only · Spanish 2% Other Indo-European 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
- ▼ -68.70%
- Current HPI
- 146.2168
- Rent YoY
- ▲ 1.82%
- 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
+335.6% since first listed15 events — show timeline
- 2026-05-19 Price Changed $139,900 Greater Alabama MLS
- 2026-03-25 Listed $144,900 Greater Alabama MLS
- 2026-03-19 Coming Soon $144,900 Greater Alabama MLS
- 2021-07-01 Sold (Public Records) $125,000 Public Records
- 2021-06-30 Sold (MLS) $125,000 Greater Alabama MLS
- 2021-06-18 Delisted — Greater Alabama MLS
- 2021-05-26 Contingent — Greater Alabama MLS
- 2021-04-29 Price Changed $129,900 Greater Alabama MLS
- 2021-03-31 Listed $144,900 Greater Alabama MLS
- 2017-10-31 Sold (MLS) $5,000 Greater Alabama MLS
- 2017-10-24 Delisted — Greater Alabama MLS
- 2017-10-24 Contingent — Greater Alabama MLS
- 2017-10-24 Listed $9,900 Greater Alabama MLS
- 2000-09-29 Sold (Public Records) $39,000 Public Records
- 1989-10-01 Sold (Public Records) $32,115 Public Records
Property tax history
-2.5%/yrLatest (2025): $775 · +0.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…