F

Sipsey, AL

Source:

Affordability Score: 20/100

Population: 460 · 1 ZIP codes

The affordability dashboard for Sipsey, AL aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 460 residents, then layers in county-level federal data to produce an overall grade of F (20/100). The headline inputs are median household income of $26,750, median home value of $101,000, median rent of $921 per month, and 6.1% 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 $886 per month (studio $644, 1BR $724, 3BR $1,232, 4BR $1,481). Department of Labor data lists infant center-based childcare at $7,588 per year, consuming 28% 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 5.1% and poverty 26.7% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income F
$26,750
Median household income
Education F
6.1%
Bachelor's degree or higher
Housing D
3.8x
Home value $101,000 vs income
Commute N/A
N/A
Average commute time
Rent F
$886/mo
2BR fair market rent (40% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$7,588/yr
Center-based infant care (28% of income)

Income & Employment

Median Income
$26,750
▼ 57% vs national
Per Capita Income
$18,969
Unemployment Rate
5.1%
Poverty Rate
26.7%

Housing

Median Home Value
$101,000
▼ 63% vs national
Median Rent
$921/mo
Owner Occupied
49.2%
2BR Fair Market Rent
$886/mo
▼ 26% vs national

Fair Market Rents by Bedroom

Studio
$644
1BR
$724
2BR
$886
3BR
$1,232
4BR
$1,481

Safety

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

Education & Family

Bachelor's Degree+
6.1%
▼ 24 ppt vs national
High School+
50.5%
Median Age
40.5
Avg. Commute

Childcare Costs

Infant (Center)
$7,588/yr
28% of income
Toddler (Center)
$7,823/yr
Preschool (Center)
$7,173/yr
School-Age (Center)
$6,438/yr

What This Means

Sipsey, AL receives an overall affordability grade of F (20/100), aggregated from 1 ZIP codes with a total population of 460. 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 Sipsey, AL affordable?
Sipsey, AL receives an overall affordability grade of F (20/100) based on Census, HUD, FBI, and DOL data. Median household income is $26,750. Median home value is $101,000.
What is the cost of living in Sipsey?
Key cost metrics: Median rent $921/mo. 2BR fair market rent $886/mo. Infant childcare $7,588/yr. Median home value $101,000.
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 →