Look up HUD rent benchmarks by bedroom and ZIP code, then estimate cash flow with your own price and costs.
HUD rent dataBirmingham-Hoover, AL HUD Metro FMR Area
3-bedroom gross-rent benchmark
$1,583 / month
0.0% from FY2025.
FY2026 · effective Oct 1, 2025
Includes tenant-paid utilities. A benchmark, not an approved rent or property-specific estimate.
Published rent benchmarks
FY2025
$1,583
FY2026
$1,583
FY2027
$1,727
HUD schedules for the selected bedroom count. Changes are not a rent forecast.
Birmingham-Hoover, AL HUD Metro FMR Area · Monthly gross rents
Bedroom count
FY2025
FY2026 · current
FY2027 · upcoming
Studio
$998
$1,024
$1,177
1 bedroom
$1,144
$1,155
$1,263
2 bedrooms
$1,267
$1,266
$1,375
3 bedrooms
$1,583
$1,583
$1,727
4 bedrooms
$1,791
$1,801
$1,941
FY2026 HUD area coverage: Bibb County, AL; Blount County, AL; Jefferson County, AL; St. Clair County, AL; Shelby County, AL. ZIP schedules may cover portions of this area.
Compare rents by ZIP code
Monthly HUD gross-rent benchmarks, including tenant-paid utilities. Choose 2–4 ZIPs to compare.
136 ZIP codes across published schedules
ZIP rent table
FY2026 monthly gross rents by ZIP.
ZIP
Studio
1 bedroom
2 bedrooms
3 bedrooms
4 bedrooms
$1,230
$1,390
$1,520
$1,900
$2,160
$940
$1,060
$1,160
$1,450
$1,650
$810
$900
$1,020
$1,280
$1,430
$1,150
$1,300
$1,420
$1,780
$2,020
$810
$900
$1,020
$1,280
$1,430
$810
$900
$1,020
$1,280
$1,430
$840
$950
$1,040
$1,300
$1,480
$1,020
$1,150
$1,260
$1,580
$1,790
$880
$990
$1,090
$1,360
$1,550
$1,060
$1,200
$1,310
$1,640
$1,860
$810
$900
$1,020
$1,280
$1,430
$810
$900
$1,020
$1,280
$1,430
$810
$900
$1,020
$1,280
$1,430
$900
$1,020
$1,120
$1,400
$1,590
$1,320
$1,490
$1,640
$2,050
$2,330
$810
$900
$1,020
$1,280
$1,430
$1,190
$1,340
$1,470
$1,840
$2,090
$1,020
$1,150
$1,260
$1,580
$1,790
$810
$900
$1,020
$1,280
$1,430
$810
$900
$1,020
$1,280
$1,430
$990
$1,120
$1,230
$1,540
$1,740
$1,140
$1,290
$1,410
$1,760
$2,010
$900
$1,010
$1,110
$1,400
$1,590
$1,110
$1,250
$1,370
$1,710
$1,950
$810
$900
$1,020
$1,280
$1,430
$810
$900
$1,020
$1,390
$1,650
$970
$1,090
$1,200
$1,500
$1,710
$1,030
$1,170
$1,280
$1,600
$1,820
$1,040
$1,180
$1,290
$1,610
$1,840
$890
$1,000
$1,100
$1,380
$1,570
$870
$960
$1,070
$1,340
$1,500
$810
$900
$1,020
$1,280
$1,430
$810
$900
$1,020
$1,280
$1,430
$820
$920
$1,020
$1,280
$1,440
$1,440
$1,620
$1,780
$2,230
$2,530
$850
$960
$1,050
$1,320
$1,500
$880
$990
$1,090
$1,360
$1,550
$990
$1,110
$1,220
$1,530
$1,740
$980
$1,040
$1,200
$1,510
$1,640
$900
$1,010
$1,110
$1,390
$1,580
$1,060
$1,200
$1,310
$1,640
$1,860
$810
$900
$1,020
$1,280
$1,430
$890
$1,000
$1,100
$1,380
$1,570
$940
$1,060
$1,160
$1,450
$1,650
$870
$980
$1,070
$1,340
$1,520
$1,020
$1,150
$1,260
$1,580
$1,790
$900
$1,010
$1,110
$1,390
$1,580
$810
$900
$1,020
$1,280
$1,430
$1,300
$1,470
$1,610
$2,010
$2,290
$920
$1,040
$1,140
$1,430
$1,620
$1,070
$1,200
$1,320
$1,650
$1,880
$1,130
$1,280
$1,400
$1,750
$1,990
$1,060
$1,200
$1,310
$1,640
$1,860
$810
$900
$1,020
$1,280
$1,490
$810
$900
$1,020
$1,280
$1,430
$820
$920
$1,020
$1,280
$1,440
$1,010
$1,140
$1,250
$1,560
$1,780
Not available
Not available
Not available
Not available
Not available
$810
$900
$1,020
$1,280
$1,430
$810
$900
$1,020
$1,280
$1,430
$1,470
$1,660
$1,820
$2,280
$2,590
$810
$900
$1,020
$1,390
$1,670
Not available
Not available
Not available
Not available
Not available
$810
$900
$1,020
$1,280
$1,430
$1,200
$1,360
$1,490
$1,860
$2,120
$810
$900
$1,020
$1,280
$1,430
$820
$930
$1,020
$1,280
$1,450
$810
$900
$1,020
$1,280
$1,430
$940
$1,060
$1,160
$1,450
$1,650
$830
$930
$1,020
$1,280
$1,450
$1,180
$1,330
$1,460
$1,830
$2,080
$1,040
$1,180
$1,290
$1,610
$1,840
Not available
Not available
Not available
Not available
Not available
$840
$950
$1,040
$1,300
$1,480
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$820
$930
$1,020
$1,280
$1,450
$810
$900
$1,020
$1,280
$1,430
$1,130
$1,280
$1,400
$1,750
$1,990
$930
$1,050
$1,150
$1,440
$1,640
$810
$900
$1,020
$1,280
$1,430
$870
$980
$1,070
$1,340
$1,520
$1,280
$1,440
$1,580
$1,980
$2,250
$990
$1,120
$1,230
$1,540
$1,750
$930
$1,050
$1,150
$1,440
$1,640
$810
$900
$1,020
$1,280
$1,430
$1,540
$1,730
$1,900
$2,380
$2,700
$890
$1,000
$1,100
$1,380
$1,570
$1,020
$1,150
$1,260
$1,580
$1,790
$1,290
$1,450
$1,590
$1,990
$2,260
$840
$950
$1,040
$1,300
$1,480
$830
$940
$1,030
$1,290
$1,470
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$910
$1,020
$1,120
$1,400
$1,590
$950
$1,070
$1,170
$1,460
$1,660
$1,540
$1,730
$1,900
$2,380
$2,700
$900
$1,010
$1,110
$1,390
$1,580
$1,310
$1,480
$1,620
$2,030
$2,300
$930
$1,050
$1,150
$1,440
$1,640
$1,280
$1,440
$1,580
$1,980
$2,250
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$1,400
$1,580
$1,730
$2,160
$2,460
$810
$900
$1,020
$1,280
$1,430
$1,100
$1,240
$1,360
$1,700
$1,930
$1,020
$1,150
$1,260
$1,580
$1,790
$1,180
$1,330
$1,460
$1,830
$2,080
$1,460
$1,640
$1,800
$2,250
$2,560
$1,370
$1,540
$1,690
$2,110
$2,400
$1,260
$1,420
$1,560
$1,950
$2,220
$1,400
$1,580
$1,730
$2,160
$2,460
$1,020
$1,150
$1,260
$1,580
$1,790
$810
$900
$1,020
$1,280
$1,430
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,150
$1,260
$1,580
$1,790
$1,020
$1,030
$1,240
$1,580
$1,640
$970
$970
$1,170
$1,490
$1,550
$810
$950
$1,110
$1,350
$1,560
$810
$900
$1,020
$1,280
$1,430
$990
$1,110
$1,220
$1,530
$1,740
$810
$900
$1,020
$1,280
$1,430
$810
$900
$1,020
$1,280
$1,430
$810
$900
$1,020
$1,280
$1,430
$810
$900
$1,020
$1,280
$1,430
$820
$940
$1,050
$1,300
$1,490
$860
$900
$1,140
$1,500
$1,700
$810
$900
$1,060
$1,390
$1,580
$810
$900
$1,040
$1,370
$1,490
Choose up to four ZIPs.
Local rental households
2020–2024 ACS 5-year. Figures cover the selected county, which may be only part of the current HUD rental area.
Bibb County, Alabama
Rental households
Rental households
1,604
Share of occupied homes rented
20.8%
Rent burden
Spend 30%+ of income on rent
60.0%
Spend 50%+ of income on rent
33.8%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
35.0%
Buildings with 2–4 units
24.7%
Buildings with 5+ units
22.3%
Other rental homes
18.0%
Estimates & margins of error
Bibb County, Alabama · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
1,604
±311
Share of occupied homes rented
20.8%
±4.0 percentage points
Spend 30%+ of income on rent
60.0%
±6.5 percentage points
Spend 50%+ of income on rent
33.8%
±7.5 percentage points
Single-unit homes
35.0%
±7.6 percentage points
Buildings with 2–4 units
24.7%
±9.5 percentage points
Buildings with 5+ units
22.3%
±10.4 percentage points
Other rental homes
18.0%
±6.3 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Blount County, Alabama
Rental households
Rental households
4,218
Share of occupied homes rented
19.0%
Rent burden
Spend 30%+ of income on rent
42.3%
Spend 50%+ of income on rent
20.8%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
36.0%
Buildings with 2–4 units
19.7%
Buildings with 5+ units
8.2%
Other rental homes
36.1%
Estimates & margins of error
Blount County, Alabama · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
4,218
±582
Share of occupied homes rented
19.0%
±2.6 percentage points
Spend 30%+ of income on rent
42.3%
±5.9 percentage points
Spend 50%+ of income on rent
20.8%
±6.7 percentage points
Single-unit homes
36.0%
±5.6 percentage points
Buildings with 2–4 units
19.7%
±6.0 percentage points
Buildings with 5+ units
8.2%
±3.4 percentage points
Other rental homes
36.1%
±8.0 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Jefferson County, Alabama
Rental households
Rental households
97,464
Share of occupied homes rented
36.1%
Rent burden
Spend 30%+ of income on rent
53.5%
Spend 50%+ of income on rent
28.0%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
36.2%
Buildings with 2–4 units
11.9%
Buildings with 5+ units
49.5%
Other rental homes
2.3%
Estimates & margins of error
Jefferson County, Alabama · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
97,464
±2,461
Share of occupied homes rented
36.1%
±0.9 percentage points
Spend 30%+ of income on rent
53.5%
±1.7 percentage points
Spend 50%+ of income on rent
28.0%
±1.4 percentage points
Single-unit homes
36.2%
±1.5 percentage points
Buildings with 2–4 units
11.9%
±1.1 percentage points
Buildings with 5+ units
49.5%
±1.6 percentage points
Other rental homes
2.3%
±0.4 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
St. Clair County, Alabama
Rental households
Rental households
6,106
Share of occupied homes rented
17.4%
Rent burden
Spend 30%+ of income on rent
42.5%
Spend 50%+ of income on rent
14.9%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
50.1%
Buildings with 2–4 units
11.7%
Buildings with 5+ units
13.1%
Other rental homes
25.1%
Estimates & margins of error
St. Clair County, Alabama · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
6,106
±660
Share of occupied homes rented
17.4%
±1.9 percentage points
Spend 30%+ of income on rent
42.5%
±3.9 percentage points
Spend 50%+ of income on rent
14.9%
±3.0 percentage points
Single-unit homes
50.1%
±6.2 percentage points
Buildings with 2–4 units
11.7%
±3.5 percentage points
Buildings with 5+ units
13.1%
±3.4 percentage points
Other rental homes
25.1%
±4.6 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Shelby County, Alabama
Rental households
Rental households
16,194
Share of occupied homes rented
18.6%
Rent burden
Spend 30%+ of income on rent
47.1%
Spend 50%+ of income on rent
23.2%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
38.7%
Buildings with 2–4 units
9.0%
Buildings with 5+ units
41.2%
Other rental homes
11.0%
Estimates & margins of error
Shelby County, Alabama · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
16,194
±889
Share of occupied homes rented
18.6%
±1.0 percentage points
Spend 30%+ of income on rent
47.1%
±4.3 percentage points
Spend 50%+ of income on rent
23.2%
±3.2 percentage points
Single-unit homes
38.7%
±3.4 percentage points
Buildings with 2–4 units
9.0%
±1.8 percentage points
Buildings with 5+ units
41.2%
±4.5 percentage points
Other rental homes
11.0%
±2.2 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Census sources & definitions
2020–2024 ACS 5-year combines five years of survey responses. These describe the survey period, not today’s market. Rental households are renter-occupied homes. Housing types refer to the building containing each rental; “other” includes mobile homes, boats, RVs and similar housing.
Source: U.S. Census Bureau, tables B25003, B25070 and B25032. Statistical guidance. Data checked Sep 22, 2026. Rental Wire is not affiliated with or endorsed by the Census Bureau.
Start with the HUD benchmark or enter your expected lease rent. Price and cost defaults are examples, not local estimates.
Monthly cash flow before income tax
-$105
Based on example price and costs. Edit them for your property.
Lease rent used
$1,433
Upfront cash
$53,500
Sources, dates & coverage
Birmingham-Hoover, AL HUD Metro FMR Area. HUD area ID: METRO13820M13820. Coverage: Bibb County, AL; Blount County, AL; Jefferson County, AL; St. Clair County, AL; Shelby County, AL.
HUD gross-rent benchmarks include tenant-paid basic utilities, excluding phone, cable and internet. They are not asking-rent quotes, approved Section 8 rents or housing-authority payment standards.
HUD data checked Sep 22, 2026. Changes can reflect methodology and geographic coverage as well as rents. Missing data and figures that cannot be compared are marked unavailable. Future schedules are labelled upcoming.
Source: U.S. Department of Housing and Urban Development. HUD public-domain reuse policy, section 1.D. Rental Wire is not affiliated with or endorsed by HUD. Retain the source, geography and fiscal year when sharing data.
Calculation assumptions
Cash flow is rent less vacancy, operating costs, replacement reserves and fixed-rate mortgage payments, including principal. Tax deductions, sale proceeds and appreciation are outside this first-year calculation. The target price uses the same rent, expense amounts, mortgage rate, down-payment percentage and closing-cost percentage. Property taxes and lender terms may change with the actual purchase price.
When using a HUD benchmark, we subtract tenant-paid utilities to estimate lease rent. Custom rent is used as entered. Add utilities you pay to operating costs. This does not determine a voucher subsidy or a housing authority's approved rent.