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City · 13,587 residents · St. Clair County, Alabama

Pell City , Alabama

In Pell City, a typical home is worth $249,600 and typical rent is $1,099 a month. Compared with all of St. Clair County, typical household income is 11% lower, the typical home value is 10% higher, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $249,600

    10% above the county

    19% above Alabama

    • Pell City
    • St. Clair
    • Alabama

  • Typical rent

    $1,099a month

    About the same as the county

    9% above Alabama

    • Pell City
    • St. Clair
    • Alabama

  • Typical household income

    $68,638a year

    11% below the county

    7% above Alabama

    • Pell City
    • St. Clair
    • Alabama

  • Households that own their home

    68%

    15 points below the county

    2 points below Alabama

    • Pell City
    • St. Clair
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$289,193
3.8% more than 12 months ago
Typical rent
$1,410 a month

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

Pell City 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 Pell City apart

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

  1. Nearby, in Talladega, the typical home value is $121,900: 51% less than in Pell City ($249,600).

  2. Nearby, in Talladega, the typical rent is $776: 29% less than in Pell City ($1,099).

  3. 68% of households in Pell City own their home, against 83% in St. Clair County.

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

The homes here

Housing in Pell City

What homes there are in Pell City, 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

As in St. Clair County, most homes in Pell City are detached houses (75%).

Year built

The typical home in Pell City was built in 1991, 7 years before the typical one in St. Clair County.

There are fewer big homes in Pell City than in St. Clair County: 75% have 3 bedrooms or more, against 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

About 90% of owner-occupied homes in Pell City are worth less than the FHA loan limit for St. Clair County ($541,287).

Monthly rent with utilities

With a mortgage

$1,476 a month

St. Clair County: $1,516 a month

Without a mortgage

$537 a month

St. Clair County: $443 a month

Owners with a mortgage

58%

St. Clair County: 58%

In Pell City, 58% of owners have a mortgage; their typical cost is $1,476 a month, about the same as in St. Clair County.

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, the typical home value in Pell City rose 36%; in St. Clair County, it rose 46%.

Rents in Pell City rose more slowly than in St. Clair County: 28% since 2015–2019, against 32%.

The typical household income in Pell City rose 26% over that time; home values changed +36% and rent +28%.

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

MeasurePell CitySt. 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 2.572.632.482.53
Drive alone 84%80%81%69%
Carpool 5%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 11%12%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Pell City has 2.57 people on average, about the same as in St. Clair County (2.63).

In Pell City, 84% of workers drive alone to work; in St. Clair County, 80%.

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 Pell City?

A typical home is tight for the typical income

We start with a typical home in Pell City, worth $249,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Pell City, which is $68,638 a year. For that payment to be 28% of income, a household would need to earn about $83,373 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 Pell City. 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 $8,736 (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

$1,945

at 7.18% · 30 years

Loan amount
$245,079
Total interest
$352,611
Paid off in
November 2056

Includes $4,215 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,602 a month

  • Tight

    $1,602 to $2,059 a month

    Your payment · 34%

  • Hard

    more than $2,059 a month

Compared with the typical household income in Pell City ($68,638 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,945
Principal & interest$1,660
Property tax$71
Home insurance$104
FHA mortgage insurance (MIP)$110

You need at least $8,736 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

Pell City and St. Clair County

Pell City 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).

Pell City's own numbers

Typical home value
$249,600
Typical monthly rent
$1,099
Typical yearly household income
$68,638
Households that own their home
68%
Effective property tax rate
0.34%

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 Pell City

A typical home in Pell City is worth $249,600: 10% above the county and 19% above Alabama. With the typical household income in Pell City ($68,638 a year), a typical home costs 3.6 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.

  • Pell City 3.6 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

Pell City 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
  • Pell City $249,600
  • St. Clair $226,300
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Pell City $1,099
  • St. Clair $1,084
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Pell City $68,638
  • St. Clair $77,463
  • Alabama $63,999
  • United States $80,734
See the full table
Pell City next to St. Clair County and Alabama
Measure Pell City St. Clair County Alabama U.S.
Typical home value $249,600 $226,300 $209,900 $332,700
Typical monthly rent $1,099 $1,084 $1,007 $1,413
Typical yearly household income $68,638 $77,463 $63,999 $80,734
Households that own their home 68% 83% 70% 65%
Typical yearly property tax $846 $724 $788 $3,119
Effective property tax rate 0.34% 0.32% 0.38% 0.94%
Renters with high rent for their income 44% 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 Pell City

For a typical $249,600 home in Pell City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pell City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,945a month

    Least cash to close
    Down payment
    $8,736
    Cash to close
    $16,224
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $110

  • Conventional, 5% down $1,900a month

    Down payment
    $12,480
    Cash to close
    $19,968
    Rate
    7.18%
    Mortgage insurance
    PMI · $119

  • Conventional, 20% down, no PMI $1,527a month

    Down payment
    $49,920
    Cash to close
    $57,408
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,758a month

    Down payment
    $37,440
    Cash to close
    $44,928
    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 Pell City and for St. Clair County.

Property tax

Effective rate in Pell City

0.34%of the home’s value each year

$846 a year for the typical owner in Pell City.

  • Pell City 0.34%
  • 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 Pell City

Typical rent in Pell City is $1,099 a month: about the same as the county. In Pell City, 44% 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 Pell City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pell City has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,170 in 35125 to $1,480 in 35128.

1 of the 2 is above the fair market rent for St. Clair County ($1,375).

  • 35125 $1,170$1,470
  • 35128 $1,480$1,860

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pell City 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 Pell City

HUD lists 5 buildings with rents for lower incomes in Pell City. These are the largest.

  • Crestview Gardens 97 31st St N, Pell City 35125 78 low-income homes · Run by Pell City Housing Authority · Average payment: $353 a month · Average wait: 45 months · Homes at several sites (205) 338-7012
  • Clarion Cove 18th Avenue South and Hardwick Road, Pell City 35128 60 low-income homes · 2 bd: 46 · 3 bd: 14 · In service since 2015 · For families
  • Amesbury 310 7th Ct N, Pell City 35125 56 low-income homes · 1 bd: 8 · 2 bd: 48 · In service since 2003 · For older adults, people with disabilities
  • Greenwood Homes 508 15th St N, Pell City 35125 11 homes, 10 low-income · For people with disabilities (205) 595-4555
  • Jubilee 700 Jubilee Cir, Pell City 35125 71 homes

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

Free help

Help to buy or rent in Pell City

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 Pell City

No down payment, repair or rent-help program on our list is for Pell City or St. Clair County. The ones below are statewide in Alabama: they work in Pell City 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 Pell City

The HUD-approved agencies closest to the center of Pell City, 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 · 30 miles away

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

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 31 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 · 32 miles away

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

All counseling agencies in Alabama

Help in Spanish near Pell City

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 Pell City

HUD’s record names them for Pell City or St. Clair County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

One other authority has 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 Pell City, 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 Pell City.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Pell City

Short answers with the numbers for Pell City 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 Pell City?

The typical home value in Pell City is $249,600, 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 Pell City?

Typical rent in Pell City is $1,099 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 Pell City?

Pell City 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 Pell City?

The typical homeowner in Pell City pays $846 a year, according to the U.S. Census Bureau. That is 0.34% 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 Pell City?

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).