Median home value in zip code 35986 (Rainsville, AL) is $224,970, up 3.5% year over year. Part of the Fort Payne, AL metropolitan area.

Home Value$224,970

YoY Change

+3.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 35986 (Rainsville).

Income (annual)

Down Payment

$44,994 on $224,970

Example: $75,000 household income. Change it above to see your own.

Affordable22.6% of income

Under the 28% guideline.

PITI$1,414

P/I22.6%

Afford$278K

Room+$53K

P&I $1,138Tax $77Ins $200

6.50% 30yr, 20% down, county tax + AL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

35986 is part of the Fort Payne, AL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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