Provisional grade — derived from this report's measured data points; the county detector suite has not measured this geography yet. The measured ARED Score replaces it on the suite's next run.
ZIP 36106 — Montgomery
The 36106 housing market is currently balanced, with a median listing price of $254,000 and steady year-over-year growth. While the area offers affordability, high vacancy rates and lower median incomes compared to the county average suggest a market that requires careful evaluation by investors and buyers. Demand remains consistent, though the market pace is tempered by broader economic conditions in Montgomery.
This ZIP is suitable for budget-conscious buyers and investors who are comfortable navigating a balanced market with specific neighborhood-level nuances.
Median prices moved up 8.8% year over year.
Homes spend a median of 61 days on market with 6.0 months of supply — a balanced-paced market.
20% of listings have cut prices · homes sell at 97% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 8.9% · poverty 12.3% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 36106, Montgomery County AL
Crime rates in Montgomery are generally higher than the national average, with specific localized trends varying by neighborhood within the 36106 area.
Public schools in the area are part of the Montgomery Public Schools district, which faces ongoing challenges regarding performance ratings and resource allocation.
The area is subject to standard regional risks including severe thunderstorms and occasional tornado activity, with flood risk localized to specific low-lying zones.
Economic momentum is driven by state government, military, and healthcare sectors, with ongoing efforts to revitalize central Montgomery infrastructure.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Alabama) — Standard State Ad Valorem Homestead Exemption: Exempts up to $4,000 in assessed valuation from the 6.5 mill state ad valorem tax levy (providing a maximum direct state tax reduction of $26.00). Formula: Adjusted State Tax = Max(0, (Assessed Value - $4,000)) × 0.0065. State (Alabama) — Statewide Ad Valorem Property Tax and Class III Residential Assessment Ratio: Establishes a baseline 6.5 statewide millage rate ($0.0065 per dollar of assessed value) under Ala. Code § 40-8-1 and the Alabama Constitution. County (Montgomery County, Alabama) — Real Property Tax Assessment: Property taxes are calculated based on the assessed value (a percentage of fair market value) multiplied by the applicable millage rates for the county, city, and school districts. Specific rates vary by municipal code. County (Montgomery County, Alabama) — Statewide Property Reappraisal Program: All real property is appraised at fair and reasonable market value using mass appraisal methods as mandated by Act 160 of the Alabama Legislature.
Residents typically rely on personal vehicles for commuting, with major corridors providing access to downtown Montgomery and the surrounding employment hubs.
The area features proximity to local parks, historic districts like Old Cloverdale, and various shopping and dining options along the major arterial roads.
The rental market shows moderate demand with a vacancy rate of approximately 11.1%, reflecting a mix of long-term residents and transient populations.
The economy is anchored by state government operations, Maxwell-Gunter Air Force Base, and a growing healthcare sector in the Montgomery metro area.
The area is served by a network of state highways and local roads, with limited public transit options primarily focused on bus routes.
Ongoing urban renewal projects in central Montgomery aim to improve housing stock and commercial infrastructure.
The Montgomery County Revenue Commissioner manages property assessments, utilizing a 10% assessment rate for residential properties.
Parcels are subject to Montgomery County and City of Montgomery tax jurisdictions, with standard school district levies.
Property insurance premiums are influenced by regional weather patterns, including wind and hail risk, which are common in central Alabama.
Data retrieved from US Census Bureau ZCTA profiles and local market reports.
Known for its historic architecture, local dining, and community atmosphere.
A private liberal arts college that serves as a local anchor.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Forecasts are for speculation only and should not be used as a deciding factor in any transaction. Projections trend strictly from calculable historical values — the platform cannot predict market movements, market sentiment, or the market itself.
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Standard trend model — solid = measured history · dashed = projection anchored at each line's last measured point, following that series' trailing pace (CAGR capped ±12%/yr) or trailing mean · projections are estimates, not measured reads · every charted series runs the standard 5-year historical window with a 1-year forecast, trimmed from the full retained ledger — the forecast always extends into the future year (a lagging ledger bridges to it) and stops there on purpose: authoritative, not wizardry · every price line is county-assessed value from the district CAD — the tier's same-parcel assessment roll-up on the momentum tile, the assessed trajectory in raw dollar levels and as a YoY-chained index (base 100), and the month-over-month pace from nearby comparable sales pooled from the research track; a tier without comps yet keeps its pace story with the assessed trend. Inventory, liquidity, price-cut and foreclosure lines run on the platform's own measured series.
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Aggregate foreclosure counts for this geography — recorded notices, upcoming sales and distress weight against population. The filing-level ledger opens at Investor.
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