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Area data

Phil Campbell, AL — ZIP 35581

Population: 5,932 (Census ACS)

The median home value in ZIP 35581 (Phil Campbell, AL) is $185,214 — down 1.4% over the past year. 3 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with tornado, coldwave, lightning the top-rated hazards. Cost of living is 12.1% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$185,214

Median home value

-1.4%

1-year change

Relatively Low

Hazard risk (county)

Home values & appreciation

Median home value
$185,214
1-year appreciation
-1.4%
3-year appreciation
-3.1%
5-year appreciation
+19.8%
10-year appreciation
+61.1%
All-time peak (2025-03)
$195,289
House Price Index (state)
370.8 (+2.6% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

For-sale inventory
11

Source: recent area sales and market data (ZIP-level)

Affordability

Cost of living index (Low)
87.9 (100 = US avg)
Electricity rate (state-level)
16.1¢/kWh
Natural gas rate (state-level)
$17.60/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
3
Elementary schools
1
Middle schools
0
High schools
1
Schools include
East Franklin Junior High School, Phil Campbell High School, Phil Campbell Elementary School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
tornado, coldWave, lightning
Notable hazard ratings (county)
coldWave: Relatively Moderate · drought: Relatively Low · earthquake: Relatively Low · hail: Relatively Low · heatWave: Relatively Low · hurricane: Relatively Low
Wildfire risk to homes (county)
Higher than 51% of US counties
Buildings in wildfire direct-exposure zone
79.7%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
61.0°F
Average high
74.0°F
Average low
48.0°F
Annual precipitation
61.9 in
USDA plant hardiness zone
8a (extreme annual low 10 to 15°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Amenities

National parks within ~60 mi
4
Nearest national park
Natchez Trace National Scenic Trail (49 mi)
National parks include
Natchez Trace National Scenic Trail, Brices Cross Roads National Battlefield Site, Tupelo National Battlefield
Airports within 30 mi
9
Nearest airport
Bill Pugh Field (9 mi)
Nearest major airport
Northwest Alabama Regional Airport (MSL) (28 mi)
Hospitals nearby (~15 mi)
1,090
Hospitals include
MIZELL MEMORIAL HOSPITAL, CRENSHAW COMMUNITY HOSPITAL, CRENSHAW COMMUNITY HOSPITAL
Avg hospital rating (CMS)
3.1 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (4.4 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-28 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,987
Housing built before 1970
22.7%
Housing built 2000 or later
22.8%
Median annual property tax
$335
Mean commute to work
25 min
Households with broadband internet
43.6%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
8,623
Average weekly wage
$884
Top industries (by employment)
Health Care, Accommodation & Food, Finance & Insurance
Annual residential building permits (county)
2

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 35581State medianUS median
Median home value$185,214$202,644$289,727
Median annual property tax$335$514$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 35581?
$185,214.
What is the natural-hazard risk in ZIP 35581?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: tornado, coldWave, lightning.
What is the wildfire risk in ZIP 35581?
Risk to homes is higher than 51% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 35581?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 35581?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 35581?
3 schools (1 elementary, 1 high) (NCES, 2022-23).
What is the cost of living in ZIP 35581?
Regional Price Parity: 87.9 (100 = US average) (Low) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents