The story of this market
The typical home in Pell City, Alabama sells for about $296,500, or $145 per square foot.
Homes take about 61 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,368 a month.
Monthly price momentum
Home values since 2015
+1.9%
AL · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Pell City, Alabama
Pell City's housing market remains stable, supported by its role as a regional residential hub with access to Logan Martin Lake. While specific inventory and price-cut data are limited, the market shows consistent activity with a median sale price of $296,500. Growth is primarily driven by commercial expansion along the I-20 corridor.
No ARED county foreclosure postings attributed to Pell City yet — the verified ledger covers every county the foreclosure ingest has read, attributed by published city area. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Deterministic aggregate of 2 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Median prices moved up 9.5% year over year.
Homes spend a median of 90 days on market with 3.2 months of supply — a balanced-paced market.
18% of listings have cut prices · homes sell at 98.07% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · poverty 20.3% — a mixed stability profile.
The amenity base that shapes daily life and property demand in this city — what residents actually live with, and what the pipeline is adding.
A major reservoir providing extensive recreational opportunities including boating, fishing, and water sports, serving as a primary lifestyle anchor for the city.
A prominent public park offering green space, event facilities, and direct access to the lake, serving as a focal point for community activities.
A dedicated facility for youth and adult athletics, supporting local sports leagues and community health initiatives.
Pell City is well-suited for families and commuters seeking a balance between small-town living and access to the Birmingham metro area. Its waterfront amenities and established residential neighborhoods make it attractive to those prioritizing outdoor lifestyle and affordability.
The city is primarily served by Interstate 20, providing a direct commute corridor to Birmingham. Local transit options are limited, making personal vehicle ownership the primary mode of transportation.
Pell City is defined by its access to Logan Martin Lake, which provides extensive opportunities for boating, fishing, and waterfront recreation. The city maintains several public parks, including Lakeside Park, which serves as a central community gathering space.
The rental market is characterized by a mix of single-family homes and multi-family complexes, with an average rent of $1,368. Demand is supported by the city's role as a residential center for the surrounding St. Clair County area.
The local economy is driven by retail, services, and its position as a residential hub for the Birmingham metro area. Major infrastructure along I-20 continues to attract commercial investment.
Pell City serves as a regional hub with significant commercial activity along the I-20 corridor, supported by its proximity to Birmingham and its role as a lakeside residential destination.
Development efforts are focused on commercial expansion along the I-20 corridor and residential growth near the lakefront.
Parcels in Pell City are subject to St. Clair County property tax assessments and the Pell City School District jurisdiction.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Alabama) — Current Use Valuation: Allows property to be taxed based on its current use value rather than fair market value, potentially reducing the tax burden. Conversion to a non-qualified use triggers revaluation and potential back-tax liability. State (Alabama) — Class III Residential Property Tax Assessment: Property is assessed at 10% of its fair market value. The tax liability is calculated by multiplying the assessed value by the local millage rate. A standard homestead exemption applies to the 6.5 mill statewide property tax on the first $4,000 of assessed valuation. State (Alabama) — Class 3 Residential Property Tax Assessment: Residential property is classified as Class 3 and assessed at 10 percent of its fair market value. A standard homestead exemption applies to the 6.5 mill statewide property tax on the first $4,000 of assessed valuation. State (Alabama) — Standard State Ad Valorem Homestead Exemption: Exempts up to $4,000 in assessed valuation from the 6.5 mill state ad valorem tax levy (providing a maximum direct state tax reduction of $26.00). Formula: Adjusted State Tax = Max(0, (Assessed Value - $4,000)) × 0.0065. State (Alabama) — Statewide Ad Valorem Property Tax and Class III Residential Assessment Ratio: Establishes a baseline 6.5 statewide millage rate ($0.0065 per dollar of assessed value) under Ala.
Data retrieved from US Census Bureau and CensusEasy profiles.
No public schools report a street address in this area. Source: NCES EDGE public school locations 2023-24.
Imposes design, development, and infrastructure standards for proposed subdivisions; requires county review and approval of plats; grants the county authority to inspect developments for compliance.
Adopted July 14, 2026; effective August 15, 2026.
All direct access points require permit approval and pipe sizing specifications from the St. Clair County Road/Engineering Department. Requires compliance with minimum sight distance requirements, proper driveway cross-pipe drainage installation (with a minimum 10-foot clear zone maintained from edge of pavement over cross pipes), and prohibition of unauthorized permanent structures within the 60-foot public right-of-way.
Enforced by the St. Clair County Engineering and Road Department under county subdivision and right-of-way regulations.
applies when — Parcels located within a Special Flood Hazard Area (SFHA, 100-year floodplain/Base Flood Elevation zones) as identified on FEMA Flood Insurance Rate Maps (FIRMs) for St. Clair County.
Restricts construction, subdivision, and grading in floodways and floodplains. Requires a county floodplain development permit, finished floor elevation at or above the Base Flood Elevation (BFE) plus freeboard, anchoring to resist flotation and lateral movement, and flood-resistant construction materials. Mandatory flood insurance applies to federally backed residential loans.
St. Clair County Flood Damage Prevention Ordinance, coordinated with FEMA National Flood Insurance Program (NFIP) guidelines and County Subdivision Regulations Section 5-2.
applies when — Real property parcels with delinquent county, school, or municipal ad valorem property taxes after December 31 of the tax year.
Delinquent taxes accrue statutory interest and penalties starting January 1. The Revenue Commissioner conducts an annual tax lien auction under Alabama law. If unpaid, the tax lien is sold to the highest bidder or retained by the county. Owners maintain a three-year statutory redemption period to redeem the property by paying back taxes, interest, and statutory fees before title conveyance occurs.
Ala. Code § 40-10-180 et seq., administered by the St. Clair County Revenue Commissioner.
applies when — Parcels not connected to a municipal or public sanitary sewer system utilizing on-site septic tanks or decentralized wastewater systems.
Prohibits installation or repair of on-site sewage disposal systems without site soil evaluations (percolation tests), permit applications, and final inspection certification issued by the St. Clair County Health Department. Imposes minimum lot size, setback buffers from property lines, wells, and watercourses, and specific absorption field parameters under Alabama State Board of Health rules.
Ala. Code § 22-26-7 and Ala. Admin. Code r. 420-3-1, administered locally through the St. Clair County Health Department.
applies when — All residential parcels in St. Clair County conducting outdoor open burning, subject to seasonal or drought-declared restrictions.
Mandates obtaining a burn permit from the Alabama Forestry Commission for specified open burning operations. During state or county declared drought emergencies or air quality burn restrictions, all open burning of debris, brush, and household vegetation on parcels is prohibited, backed by misdemeanor penalties.
Ala. Code Title 9, Chapter 13; enforced locally in coordination with the St. Clair County Emergency Management Agency and local fire districts.
applies when — Residential parcels subject to a mortgage in default containing a power of sale clause.
Authorizes non-judicial foreclosure auction. Requires mandatory publication of notice of sale once a week for three consecutive weeks in a newspaper published in St. Clair County prior to sale at public outcry at the St. Clair County Courthouse (Ashville or Pell City courthouses). Grantees receive a statutory one-year right of redemption under Alabama law from the date of the foreclosure sale.
Ala. Code § 35-10-1 et seq. and § 6-5-247 et seq.
applies when — Division of any parcel of land into two or more lots, tracts, or building sites in the unincorporated area of St. Clair County.
Mandates submission and approval of preliminary and final subdivision plats by the County Engineer and County Commission prior to recording or development. Requires dedication of a minimum 60-foot right-of-way (ROW) on adjoining county roads (or 30 feet from centerline if abutting one side), 28-foot roadway width with minimum 20-foot pavement surface, 80-foot diameter cul-de-sacs on dead-end roads, and proper drainage infrastructure.
Adopted by the St. Clair County Commission pursuant to Ala. Code Title 11, Chapter 24.
applies when — Owner-occupied principal residential parcels owned by qualifying Alabama/St. Clair County residents (standard homestead, senior 65+, or totally disabled).
Reduces taxable assessed valuation. Regular Homestead (H1) exempts up to $4,000 in assessed value from state taxes and $2,000 in assessed value from county ad valorem taxes. Seniors (age 65+) or permanently disabled individuals may qualify for exemptions from all state ad valorem taxes or full exemption from both state and county ad valorem taxes subject to statutory net annual income caps.
Ala. Code § 40-8-90 et seq.; claimed through the St. Clair County Revenue Commissioner.
Under the Alabama Constitution and St. Clair County Revenue Commissioner assessment standards, residential real property (owner-occupied single-family residential and agricultural property) is classified as Class III and assessed at 10% of its appraised fair market value. Other property (Class II) is assessed at 20%. The formula to determine taxable assessed value is: Assessed Value = Appraised Fair Market Value × 10% (0.10).
Governed by Ala. Const. art. XI, § 217 and Ala. Code Title 40; administered by the St. Clair County Revenue Commissioner.
Total property tax is calculated using the formula: Total Tax = (Assessed Value - Applicable Exemptions) × (Total Millage Rate ÷ 1,000), where 1 mill equals $0.001 per dollar of assessed value. Total millage is composed of the State of Alabama levy (6.5 mills), the St. Clair County general and road funds, county/local school district levies, and municipal ad valorem millage (e.g., total combined rates range typically between 36.0 and 51.0+ mills across taxing districts such as Steele-Ashville at 36 mills and Trussville/Moody jurisdictions).
Rates are set annually by the respective governing bodies (Alabama Legislature, St. Clair County Commission, local school boards, and municipalities).
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.