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City · 13,488 residents · St. Clair County, Alabama

Moody , Alabama

In Moody, a typical home is worth $237,500 and typical rent is $1,553 a month. Compared with all of St. Clair County, typical rent is 43% higher, typical household income is 12% higher, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $237,500

    5% above the county

    13% above Alabama

    • Moody
    • St. Clair
    • Alabama

  • Typical rent

    $1,553a month

    43% above the county

    54% above Alabama

    • Moody
    • St. Clair
    • Alabama

  • Typical household income

    $86,627a year

    12% above the county

    35% above Alabama

    • Moody
    • St. Clair
    • Alabama

  • Households that own their home

    74%

    8 points below the county

    4 points above Alabama

    • Moody
    • St. Clair
    • Alabama

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$264,947
3.2% more than 12 months ago
Typical rent
$1,773 a month
1.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Moody is in St. Clair County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of St. Clair County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Moody apart

What this place has that others do not, from public data, most unusual first.

  1. The typical rent in Moody is $1,553 a month, 43% more than in St. Clair County as a whole ($1,084).

  2. Nearby, in Leeds, the typical rent is $1,058: 32% less than in Moody ($1,553).

  3. 74% of households in Moody own their home, against 83% in St. Clair County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Moody

What homes there are in Moody, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Moody, 8 in 10 homes are single-family detached houses; in St. Clair County, 7.

Year built

The typical home in Moody was built in 2002, 4 years after the typical one in St. Clair County.

Homes in Moody are bigger: 83% have 3 bedrooms or more; in St. Clair County, 79%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Moody sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,417 a month

St. Clair County: $1,516 a month

Without a mortgage

$396 a month

St. Clair County: $443 a month

Owners with a mortgage

70%

St. Clair County: 58%

Owning costs less in Moody: with a mortgage, the typical cost is $1,417 a month; in St. Clair County, $1,516. Without one, $396.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Moody rose at about the same pace as in St. Clair County: 46% against 46%.

Since 2015–2019, the typical rent in Moody rose 83%, more than in St. Clair County (32%).

Here income did not keep up with housing: it rose 36%, while home values changed +46% and rent +83%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMoodySt. Clair CountyAlabamaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate1.9%1.7%3.4%
People per household 2.532.632.482.53
Drive alone 70%80%81%69%
Carpool 8%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 20%12%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Moody look like those in St. Clair County: 2.53 people on average.

Working from home is more common in Moody: 20%, against 12% in St. Clair County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Moody?

A typical home is within reach of the typical income

We start with a typical home in Moody, worth $237,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Moody, which is $86,627 a year.

The calculator's FHA and conventional loan limits are those of all of St. Clair County.

Your numbers

Local data
$

Starts at the typical home value in Moody. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,313 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,849

at 7.18% · 30 years

Loan amount
$233,198
Total interest
$335,517
Paid off in
November 2056

Includes $4,011 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,021 a month

    Your payment · 26%

  • Tight

    $2,021 to $2,599 a month

  • Hard

    more than $2,599 a month

Compared with the typical household income in Moody ($86,627 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,849
Principal & interest$1,580
Property tax$65
Home insurance$99
FHA mortgage insurance (MIP)$105

You need at least $8,313 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Moody and St. Clair County

Moody is in St. Clair County, Alabama. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Moody's own numbers

Typical home value
$237,500
Typical monthly rent
$1,553
Typical yearly household income
$86,627
Households that own their home
74%
Effective property tax rate
0.33%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Clair County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,375
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of St. Clair County.

Everything about St. Clair County

Buying

Buying a home in Moody

A typical home in Moody is worth $237,500: 5% above the county and 13% above Alabama. With the typical household income in Moody ($86,627 a year), a typical home costs 2.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Moody 2.7 years
  • St. Clair 2.9 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Clair County

According to FHFA’s house price index, home prices in St. Clair County rose 71% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Clair County.

Period County Alabama U.S.
Last year (2025) +0.6% +2.5% +2.9%
5 years (2020–2025) +44% +47% +47%
10 years (2015–2025) +71% +77% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Moody next to St. Clair County, Alabama and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Moody $237,500
  • St. Clair $226,300
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Moody $1,553
  • St. Clair $1,084
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Moody $86,627
  • St. Clair $77,463
  • Alabama $63,999
  • United States $80,734
See the full table
Moody next to St. Clair County and Alabama
Measure Moody St. Clair County Alabama U.S.
Typical home value $237,500 $226,300 $209,900 $332,700
Typical monthly rent $1,553 $1,084 $1,007 $1,413
Typical yearly household income $86,627 $77,463 $63,999 $80,734
Households that own their home 74% 83% 70% 65%
Typical yearly property tax $780 $724 $788 $3,119
Effective property tax rate 0.33% 0.32% 0.38% 0.94%
Renters with high rent for their income 39% 43% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Clair County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Moody

For a typical $237,500 home in Moody, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moody's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,849a month

    Least cash to close
    Down payment
    $8,313
    Cash to close
    $15,438
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $105

  • Conventional, 5% down $1,806a month

    Down payment
    $11,875
    Cash to close
    $19,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $113

  • Conventional, 20% down, no PMI $1,451a month

    Down payment
    $47,500
    Cash to close
    $54,625
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,671a month

    Down payment
    $35,625
    Cash to close
    $42,750
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Moody and for St. Clair County.

Property tax

Effective rate in Moody

0.33%of the home’s value each year

$780 a year for the typical owner in Moody.

  • Moody 0.33%
  • St. Clair 0.32%
  • Alabama 0.38%

What Alabama publishes Basic homestead exemption (type H-1) (Alabama Department of Revenue)

Exemptions and deadlines in Alabama

Flood risk in St. Clair County

FEMA does not publish these numbers by city: they are for all of St. Clair County.

Homes in the high-risk zone
2%
652
Of those, with NFIP insurance
39%
County Alabama U.S.
Homes in the high-risk zone 2% 3.2% 3.5%
Of those, with NFIP insurance 39% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Moody

Typical rent in Moody is $1,553 a month: 43% above the county. In Moody, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Clair County, by unit size. To pay the 2-bedroom one ($1,375 a month) without spending more than 30% of your income, you would need to earn $26.44 an hour working full time.

HUD fair market rent for all of St. Clair County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,177 $22.63 $47,080
1 bedroom $1,263 $24.29 $50,520
2 bedrooms $1,375 $26.44 $55,000
3 bedrooms $1,727 $33.21 $69,080
4 bedrooms $1,941 $37.33 $77,640

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Moody

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Moody is in ZIP code 35004.

For 2 bedrooms it is $1,740: $365 more than the fair market rent for St. Clair County ($1,375).

  • 35004 $1,740$2,190

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Moody when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Moody

HUD lists 3 buildings with rents for lower incomes in Moody. These are the largest.

  • Barrington Parc Apts 6000 Barrington Pkwy, Moody 35004 96 low-income homes · 2 bd: 48 · 3 bd: 48 · In service since 1997 · For families
  • Ashley Manor II 925 Ashley Dr, Moody 35004 56 low-income homes · 1 bd: 32 · 2 bd: 24 · In service since 1993 · For older adults
  • Woodcroft Apts 3131 Carl Morgan Rd, Moody 35004 24 low-income homes · 1 bd: 8 · 2 bd: 16 · In service since 1998 · For families

See all 11 buildings in St. Clair County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Moody

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in St. Clair County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Moody

No down payment, repair or rent-help program on our list is for Moody or St. Clair County. The ones below are statewide in Alabama: they work in Moody the same as in the rest of the state.

Which programs do I qualify for? All programs in Alabama

  • Step Up

    Statewide in Alabama

    Alabama state authority program with down payment assistance of 4% of the price (up to $10,000) as a 10-year second mortgage, alongside a 30-year fixed mortgage. Offered by Alabama Housing Finance Authority (AHFA).

    Repayable

    See the program Official page

  • First Step Mortgage Revenue Bonds

    Statewide in Alabama

    Alabama state authority 30-year low-rate mortgage, for first-time buyers and for people who have owned a home before, with down payment assistance of 4% of the price, up to $10,000, as a ten-year second mortgage. Offered by Alabama Housing Finance Authority (AHFA).

    Repayable

    See the program Official page

  • Affordable Income Subsidy Grant

    Statewide in Alabama

    Alabama state authority grant for closing costs with an HFA Advantage conventional loan: 1% of the loan if you earn up to 50% of the area median, or half a percent if you earn 50% to 80%. Offered by Alabama Housing Finance Authority (AHFA).

    Grant

    See the program Official page

Housing counselors near Moody

The HUD-approved agencies closest to the center of Moody, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 17 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (205) 458-8950

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 19 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (205) 478-0557

  • Neighborhood Housing Services of Birmingham, Inc.

    601 19th St N, Birmingham · 19 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (205) 328-4292

All counseling agencies in Alabama

Help in Spanish near Moody

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Moody

In HUD’s record, no housing authority with an office in St. Clair County is named for Moody or St. Clair County.

2 other authorities have an office in St. Clair County: see the list Source: HUD

Cities

Other cities in St. Clair County

These cities are also in St. Clair County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Clair County Housing in Alabama

Nearby cities

The cities closest to Moody, with the typical home value.

Neighboring counties

If St. Clair County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Moody.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Moody

Short answers with the numbers for Moody and all of St. Clair County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Moody?

The typical home value in Moody is $237,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Clair County it is $226,300.

How much does it cost to rent in Moody?

Typical rent in Moody is $1,553 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Clair County is $1,375.

What is the FHA loan limit in Moody?

Moody uses the FHA limit for all of St. Clair County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Moody?

The typical homeowner in Moody pays $780 a year, according to the U.S. Census Bureau. That is 0.33% of the home’s value; in St. Clair County, the rate is 0.32%.

Where can I find free help to buy or rent in Moody?

We found no HUD-approved counseling agencies with an office in St. Clair County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).