HousingHandbookReference data

U.S. ZIP Code · AL35640

Morgan County · Decatur, AL

Typical home value

$246,260[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+1.4%
5-year / yr
+4.9%
10-year / yr
+5.8%

Relative price

vs U.S.
-13.3%
vs metro
+8.6%
vs state
+25.6%
ZIP 35640 location in AL
Location of ZIP 35640 in AL

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 35640 is worth $246,260 — 8.6% above the Decatur, AL median. Over the past year, values have risen 1.4%. The effective property tax rate is 0.3%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.3%[3]
Typical annual tax
$812[3]

#Climate risk

FEMA National Risk Index ratings for Morgan County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
Relatively Low
Heat wave
Relatively Moderate
Hurricane
Relatively Low
Tornado
Relatively High
Earthquake
Relatively Moderate
Winter weather
Relatively Moderate

#Who lives here

Population
27,344[3]
Median household income
$76,620[3]

#Migration

Household moves in and out of Morgan County over a year, from IRS tax-return data.

Net migration
+127[5]
Moved in
2,707
Moved out
2,580

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
7
Elementary
3
Middle
2
High
2
  • Hartselle High School

    High · Grades 9–12 · Hartselle City

    1,004 students

  • Crestline Elementary School

    Elementary · Grades PK–4 · Hartselle City

    591 students

  • Hartselle Junior High School

    Middle · Grades 7–8 · Hartselle City

    568 students

  • Hartselle Intermediate School

    Middle · Grades 5–6 · Hartselle City

    534 students

  • Barkley Bridge Elementary School

    Elementary · Grades PK–4 · Hartselle City

    486 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,245
Loan principal$197,008
Down payment$49,252
Total interest paid$251,273

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,518
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
77th percentile[1]
Rental yield
[2]
Property tax
92nd percentile[3]

Frequently asked

How much is a home worth in ZIP code 35640?
The typical home in 35640 is worth $246,260, based on the Zillow Home Value Index.
Are home values rising in 35640?
Home values in 35640 are up 1.4% over the past year, and up 4.9% a year over five years.
What is the property tax rate in 35640?
The effective property tax rate in 35640 is 0.3% — roughly $812 a year on a typical home.
Who lives in 35640?
ZIP code 35640 has a population of 27,344 and a median household income of $76,620.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • AL

    Typical home
    $245,625
    Gross yield
  • Trinity, AL

    Typical home
    $251,784
    Gross yield
  • AL

    Typical home
    $235,557
    Gross yield
  • Somerville, AL

    Typical home
    $230,631
    Gross yield
  • Moulton, AL

    Typical home
    $227,770
    Gross yield
  • Huntsville, AL

    Typical home
    $225,673
    Gross yield

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

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