ZIP Code 35128 — Pell City, AL Home Prices (2026)
The typical home in ZIP 35128 (Pell City, Alabama) is worth about $329,000 at roughly $206 per square foot — about the same as the Pell City median and 12% more expensive than the typical U.S. home.
How 35128 compares
ZIP 35128 is a mid-priced ZIP code for Pell City: its typical home value of $329,000 ranks #2 of the 3 Pell City ZIP codes we track (the citywide range runs from $235,000 in 35125 to $431,000 in 35054). Per square foot it costs about $206, against $168 for Pell City as a whole, $153 for Alabama, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 35128 | $329,000 | $206 |
| Pell City, AL | $329,000 | $168 |
| Alabama | $204,000 | $153 |
| United States | $294,000 | $195 |
Home value by size in 35128
Using this ZIP’s rate of about $206 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $206,000 |
| 1,500 sq ft | $309,000 |
| 2,000 sq ft | $412,000 |
| 2,500 sq ft | $515,000 |
| 3,000 sq ft | $618,000 |
Salary needed to buy a home in ZIP 35128
To buy the typical $329,000 home in ZIP 35128 with 20% down, you need a household income of roughly $90,000 a year (about $2,090 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $106,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,500 | $2,600/mo | $111,000/yr |
| 10% (+PMI) | $32,900 | $2,480/mo | $106,000/yr |
| 20% | $65,800 | $2,090/mo | $90,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 35128
At about $206 per square foot, here is roughly how much home different budgets get you in ZIP 35128:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 730 sq ft | below the local median — condos, smaller or older homes |
| $200k | 970 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1210 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1460 sq ft | around the typical home here |
| $400k | 1940 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 35128 home.
Estimate a specific home in 35128
The estimator below is pre-set to ZIP 35128 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Pell City ZIP codes by home value
Where 35128 sits among Pell City’s 3 ZIP codes:
ZIP 35128 home prices: frequently asked
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See the full Pell City home values page, all Alabama cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.