5205 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 5/10 · 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 C 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 +21.6/30.0
- ARV discount +15.0/15.0
- DSCR +6.9/10.0
- 1% rule +5.3/10.0
- Livability +3.8/5.0
- Rent growth +2.9/5.0
- Condition / age +2.5/5.0
- Schools +1.8/10.0
- Appreciation +0.0/10.0
$164,900
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This updated split level home could be yours and has so much to offer!! Cul-de-sac lot, large eat-in kitchen, lots of cabinets and storage and the list goes on. Imagine yourself sitting on the back deck with the feeling of seclusion and lots of foliage as your backdrop. Or, let's not forget the downstairs den! Yes! a second living space for entertaining family and friends. And, a bonus room that could be used as a 4th bedroom, sewing room, office, art space. .. so many possibilities. Great fenced-in back yard to keep kids and furry friends safe. The many updates over the last couple of years include. .. refinished hardwoods, new tile backsplash in the kitchen as well as dishwasher, carpet, paint throughout, exterior doors and storm doors, new deck and back yard fence. Call today for a showing!!
Key facts
- Outdoor recreation
- Finished basement
- Updated kitchen
Tags
Property features AI
Finance
- Other: Lot size about 0.44 acres; Subdivision: Hickory Hills
- HOA & community: No association fee
Exterior
- Parking: Driveway parking
- Utilities: Public water; Connected sewer; Gas water heater; Internet service availability: unknown
- Home design: Existing home; Basement foundation
- Construction: Brick over foundation; Vinyl siding
- Exterior features: Fenced yard; Open deck
Interior
- Kitchen: Solid surface countertops; Built-in dishwasher; Electric stove
- Bedrooms: Master bedroom on main level; Additional bedrooms on main level; Walk-in closets
- Flooring: Carpet; Hardwood laminate
- Bathrooms: 1 full bath; 1 half bath; Tub/shower combo
- Heating & cooling: Central heating; Central cooling
- Interior features: Tri-level: no; Split level: no; Split foyer: no; Ceilings: see remarks; Finished basement area (approx. 300); Basement is both finished and unfinished with daylight exposure; Attic: no
- Laundry & utility: Laundry in basement; Washer hookup; Electric dryer hookup; Has laundry
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/1.5-bath single-family listed at $165k.
Deal economics
- At list price, monthly cash flow is $251 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $165k).
- Recommended offer: $162k (1.5% below list) — sets the bar for market timing.
- Cap rate 8.1% 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: Chalkville Elementary School (math 6% / reading 16%, grade F, #560 of 627 statewide, top 90%, 854 students, 79% FRL); Claychalkville High School (math 6% / reading 9%, grade F, #261 of 305 statewide, top 87%, 1,361 students, 56% FRL) — zoned schools average 67% FRL vs 49% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents rising (+1.6%/yr); 186 active listings in the ZIP; 34 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 $5k 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 29 days — a 2% lower offer ($162k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 6y 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.
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.
- 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
- 1.03% ✓
- Cap rate
- 8.12%
- Cash-on-cash
- 6.52%
- DSCR
- 1.29
- GRM
- 8.1
CMA / ARV
- ARV (on-the-fly)
- $233,104
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 5019 Darlene Dr | 0.09mi | 4/2.0 | 1,590 (-7%) | 6mo | $100,000 | $63 | 77 |
| 4976 Kerri Ln | 0.24mi | 4/2.0 | 1,642 (-4%) | 10mo | $269,900 | $164 | 72 |
| 4980 Kerri Ln | 0.23mi | 4/2.0 | 1,642 (-4%) | 12mo | $269,900 | $164 | 70 |
| 4544 Sterling Glen Cir | 0.24mi | 3/2.5 (-1) | 1,801 (+5%) | 3mo | $244,900 | $136 | 69 |
| 4533 Winchester Hills Way | 0.41mi | 3/2.0 (-1) | 1,643 (-4%) | 10mo | $202,000 | $123 | 58 |
| 4968 Kerri Ln | 0.26mi | 3/2.0 (-1) | 1,484 (-13%) | 2mo | $257,000 | $173 | 57 |
| 2566 Redwood Ln | 0.41mi | 3/2.0 (-1) | 1,820 (+6%) | 8mo | $215,000 | $118 | 57 |
| 5132 Alex Way | 0.48mi | 3/2.0 (-1) | 1,884 (+10%) | 1mo | $245,500 | $130 | 53 |
| 700 Gable Dr | 0.62mi | 3/2.0 (-1) | 1,596 (-7%) | 2mo | $245,000 | $154 | 51 |
| 2645 Chestnut Way | 0.58mi | 3/2.0 (-1) | 1,872 (+9%) | 4mo | $250,000 | $134 | 47 |
| 1312 Turf Dr | 0.68mi | 4/2.0 | 1,840 (+7%) | 12mo | $255,000 | $139 | 44 |
| 2836 Arrowhead Dr | 0.74mi | 4/2.5 | 1,622 (-5%) | 11mo | $220,000 | $136 | 43 |
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
- -7.8%
- Equity multiple
- 0.72×
- Total profit
- $-13,076
- Equity at exit
- $24,587
- IRR
- -0.1%
- Equity multiple
- 1.00×
- Total profit
- $-153
- Equity at exit
- $14,258
Cash invested: $46,172 (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
- 8.1×
Monthly cashflow live
- Estimated rent
- $1,695 high interval (Pro) →
- Mortgage (P&I)
- −$865
- Tax from tax record
- −$155 /mo · $1,856/yr
- Insurance
- −$69
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$356
- Net cashflow
- $251
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
- $41,225
- Closing costs
- $4,947
- 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 34 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 | 2d | 1 | 0.79mi |
| 5764 Desoto Dr Pinson, AL | 3.0 | 1.5 | 1104 | $1,225 | $1.11 | 2d | 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 |
| 2025 Brewster Rd Birmingham, AL | 3.0 | 2.0 | 1369 | $1,450 | $1.06 | 23d | 1 | 1.15mi |
| 2505 Martin Rd Birmingham, AL | 4.0 | 2.0 | 1551 | $1,550 | $1.00 | 1d | 1 | 1.24mi |
| 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 |
| 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 | 2d | 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 |
| 2321 4th St NE Center Point, AL | 5.0 | 2.5 | 1515 | $1,800 | $1.19 | 43d | 1 | 1.38mi |
| 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 |
| 340 40th Ave NE Center Point, AL | 3.0 | 2.0 | 2007 | $1,650 | $0.82 | 16d | 1 | 1.49mi |
Listing history 27 events
-
2026-06-18days on market $164,900 Active 29 DOM
-
2026-06-17days on market $164,900 Active 28 DOM
-
2026-06-16days on market $164,900 Active 27 DOM
-
2026-06-15days on market $164,900 Active 26 DOM
-
2026-06-13days on market $164,900 Active 24 DOM
-
2026-06-10days on market $164,900 Active 21 DOM
-
2026-06-09days on market $164,900 Active 20 DOM
-
2026-06-08days on market $164,900 Active 19 DOM
-
2026-06-07days on market $164,900 Active 18 DOM
-
2026-06-03days on market $164,900 Active 14 DOM
-
2026-06-02days on market $164,900 Active 13 DOM
-
2026-06-01days on market $164,900 Active 12 DOM
-
2026-05-31days on market $164,900 Active 11 DOM
-
2026-05-20$164,900 Active
-
2022-05-25price $1,325
-
2021-12-17soldstatus $177,500 Sold 805-char remark
Show marketing remark (805 chars)
This updated split level home could be yours and has so much to offer!! Cul-de-sac lot, large eat-in kitchen, lots of cabinets and storage and the list goes on. Imagine yourself sitting on the back deck with the feeling of seclusion and lots of foliage as your backdrop. Or, let's not forget the downstairs den! Yes! a second living space for entertaining family and friends. And, a bonus room that could be used as a 4th bedroom, sewing room, office, art space. .. so many possibilities. Great fenced-in back yard to keep kids and furry friends safe. The many updates over the last couple of years include. .. refinished hardwoods, new tile backsplash in the kitchen as well as dishwasher, carpet, paint throughout, exterior doors and storm doors, new deck and back yard fence. Call today for a showing!!
-
2021-11-20historical Contingent 805-char remark
Show marketing remark (805 chars)
This updated split level home could be yours and has so much to offer!! Cul-de-sac lot, large eat-in kitchen, lots of cabinets and storage and the list goes on. Imagine yourself sitting on the back deck with the feeling of seclusion and lots of foliage as your backdrop. Or, let's not forget the downstairs den! Yes! a second living space for entertaining family and friends. And, a bonus room that could be used as a 4th bedroom, sewing room, office, art space. .. so many possibilities. Great fenced-in back yard to keep kids and furry friends safe. The many updates over the last couple of years include. .. refinished hardwoods, new tile backsplash in the kitchen as well as dishwasher, carpet, paint throughout, exterior doors and storm doors, new deck and back yard fence. Call today for a showing!!
-
2021-11-19$174,500 Active 805-char remark
Show marketing remark (805 chars)
This updated split level home could be yours and has so much to offer!! Cul-de-sac lot, large eat-in kitchen, lots of cabinets and storage and the list goes on. Imagine yourself sitting on the back deck with the feeling of seclusion and lots of foliage as your backdrop. Or, let's not forget the downstairs den! Yes! a second living space for entertaining family and friends. And, a bonus room that could be used as a 4th bedroom, sewing room, office, art space. .. so many possibilities. Great fenced-in back yard to keep kids and furry friends safe. The many updates over the last couple of years include. .. refinished hardwoods, new tile backsplash in the kitchen as well as dishwasher, carpet, paint throughout, exterior doors and storm doors, new deck and back yard fence. Call today for a showing!!
-
2021-11-18historical $174,500 805-char remark
Show marketing remark (805 chars)
This updated split level home could be yours and has so much to offer!! Cul-de-sac lot, large eat-in kitchen, lots of cabinets and storage and the list goes on. Imagine yourself sitting on the back deck with the feeling of seclusion and lots of foliage as your backdrop. Or, let's not forget the downstairs den! Yes! a second living space for entertaining family and friends. And, a bonus room that could be used as a 4th bedroom, sewing room, office, art space. .. so many possibilities. Great fenced-in back yard to keep kids and furry friends safe. The many updates over the last couple of years include. .. refinished hardwoods, new tile backsplash in the kitchen as well as dishwasher, carpet, paint throughout, exterior doors and storm doors, new deck and back yard fence. Call today for a showing!!
-
2020-09-21soldstatus $127,000
-
2020-09-18soldstatus $127,000 Sold 371-char remark
Show marketing remark (371 chars)
CHARMING SPLIT LEVEL HOME. RECENTLY UPDATED WITH REFINISHED HARDWOODS IN GREATROOM, HALLWAY AND MASTER BEDROOM. NEW TILE BACKSPLASH AND DISHWASHER IN KITCHEN. FRESH PAINT THROUGHOUT WITH NEW CARPET AND VINYL IN REMAINING AREAS. NEW EXTERIOR DOORS INCLUDING STORM DOOR. NEW REAR DECK AND LANDSCAPING. EXTRA SHOWER IN DOWNSTAIRS LAUNDRY TRULY A MUST-SEE BEFORE YOU BUY!!!
-
2020-08-25historical Contingent 371-char remark
Show marketing remark (371 chars)
CHARMING SPLIT LEVEL HOME. RECENTLY UPDATED WITH REFINISHED HARDWOODS IN GREATROOM, HALLWAY AND MASTER BEDROOM. NEW TILE BACKSPLASH AND DISHWASHER IN KITCHEN. FRESH PAINT THROUGHOUT WITH NEW CARPET AND VINYL IN REMAINING AREAS. NEW EXTERIOR DOORS INCLUDING STORM DOOR. NEW REAR DECK AND LANDSCAPING. EXTRA SHOWER IN DOWNSTAIRS LAUNDRY TRULY A MUST-SEE BEFORE YOU BUY!!!
-
2020-08-21$129,900 Active 371-char remark
Show marketing remark (371 chars)
CHARMING SPLIT LEVEL HOME. RECENTLY UPDATED WITH REFINISHED HARDWOODS IN GREATROOM, HALLWAY AND MASTER BEDROOM. NEW TILE BACKSPLASH AND DISHWASHER IN KITCHEN. FRESH PAINT THROUGHOUT WITH NEW CARPET AND VINYL IN REMAINING AREAS. NEW EXTERIOR DOORS INCLUDING STORM DOOR. NEW REAR DECK AND LANDSCAPING. EXTRA SHOWER IN DOWNSTAIRS LAUNDRY TRULY A MUST-SEE BEFORE YOU BUY!!!
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2006-03-22soldstatus $127,900
-
2002-01-09soldstatus $81,500
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1998-03-17soldstatus $70,000
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1989-02-03soldstatus $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
- $1,856 · $155/mo
- Projected year-2 tax
- $1,856 · $155/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 5/10 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
- $20,342
- − Mortgage interest
- −$9,237
- − Property taxes
- −$1,856
- − Insurance
- −$824
- − Repairs & maintenance
- −$1,627
- − Management
- −$1,627
- − Depreciation
- −$4,797
- Taxable income
- $373
- Est. tax owed @ 24.0%
- −$89
- After-tax cash flow
- $2,923/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
- 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
+222.9% since first listed14 events — show timeline
- 2026-05-20 Listed $164,900 Greater Alabama MLS
- 2022-05-25 Price Changed $1,325 RENT.
- 2021-12-17 Sold (MLS) $177,500 Greater Alabama MLS
- 2021-11-20 Contingent — Greater Alabama MLS
- 2021-11-19 Listed $174,500 Greater Alabama MLS
- 2021-11-18 Coming Soon $174,500 Greater Alabama MLS
- 2020-09-21 Sold (Public Records) $127,000 Public Records
- 2020-09-18 Sold (MLS) $127,000 Greater Alabama MLS
- 2020-08-25 Contingent — Greater Alabama MLS
- 2020-08-21 Listed $129,900 Greater Alabama MLS
- 2006-03-22 Sold (Public Records) $127,900 Public Records
- 2002-01-09 Sold (Public Records) $81,500 Public Records
- 1998-03-17 Sold (Public Records) $70,000 Public Records
- 1989-02-03 Sold (Public Records) $51,074 Public Records
Property tax history
+5.9%/yrLatest (2025): $1,856 · +0.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…