F

Gainesville, AL

Source:

Affordability Score: 22/100

Population: 654 · 1 ZIP codes

The affordability dashboard for Gainesville, AL aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 654 residents, then layers in county-level federal data to produce an overall grade of F (22/100). The headline inputs are median household income of $15,625, median home value of $46,800, median rent of $957 per month, and 24.4% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $827 per month (studio $619, 1BR $642, 3BR $1,107, 4BR $1,193). Department of Labor data lists infant center-based childcare at $7,050 per year, consuming 45% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are income, education, rent, childcare. Unemployment currently reads 0.0% and poverty 48.1% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income F
$15,625
Median household income
Education F
24.4%
Bachelor's degree or higher
Housing B-
3.0x
Home value $46,800 vs income
Commute N/A
N/A
Average commute time
Rent F
$827/mo
2BR fair market rent (64% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$7,050/yr
Center-based infant care (45% of income)

Income & Employment

Median Income
$15,625
▼ 75% vs national
Per Capita Income
$11,111
Unemployment Rate
0.0%
Poverty Rate
48.1%

Housing

Median Home Value
$46,800
▼ 83% vs national
Median Rent
$957/mo
Owner Occupied
45.4%
2BR Fair Market Rent
$827/mo
▼ 31% vs national

Fair Market Rents by Bedroom

Studio
$619
1BR
$642
2BR
$827
3BR
$1,107
4BR
$1,193

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
24.4%
▼ 6 ppt vs national
High School+
58.1%
Median Age
35.0
Avg. Commute

Childcare Costs

Infant (Center)
$7,050/yr
45% of income
Toddler (Center)
$6,846/yr
Preschool (Center)
$6,651/yr
School-Age (Center)
$6,456/yr

What This Means

Gainesville, AL receives an overall affordability grade of F (22/100), aggregated from 1 ZIP codes with a total population of 654. Challenges include income and education and rent and childcare. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Gainesville, AL affordable?
Gainesville, AL receives an overall affordability grade of F (22/100) based on Census, HUD, FBI, and DOL data. Median household income is $15,625. Median home value is $46,800.
What is the cost of living in Gainesville?
Key cost metrics: Median rent $957/mo. 2BR fair market rent $827/mo. Infant childcare $7,050/yr. Median home value $46,800.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →