St. Clair County, AL Average Home Price (2026)
The average home price in St. Clair County, Alabama is about $263,500 (the 2026 median across 10 ZIP codes, at ~$167/sq ft) — 31% more expensive than the Alabama median and 9% more affordable than the typical U.S. home.
How St. Clair County compares
St. Clair County is about average for housing nationally: its typical home costs $263,500 against $201,000 for Alabama and $289,000 for the U.S. Within the county, ZIP-level values run from about $183,000 to $425,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| St. Clair County | $263,500 | $167 |
| Alabama | $201,000 | $150 |
| United States | $289,000 | $193 |
Cities in St. Clair County
Cities with their own home-value page, largest first:
St. Clair County home prices by ZIP code
The 10 most valuable ZIP codes in St. Clair County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 35054 Pell City | $425,000 | $175 | +61% |
| 35146 Springville | $333,000 | $170 | +26% |
| 35128 Pell City | $327,000 | $191 | +24% |
| 35135 Riverside | $324,000 | $299 | +23% |
| 35953 Ashville | $264,000 | $192 | +0% |
| 35004 Moody | $263,000 | $163 | +0% |
| 35120 Odenville | $263,000 | $162 | +0% |
| 35125 Pell City | $233,000 | $156 | -12% |
| 35987 Steele | $207,000 | $122 | -21% |
| 35131 Ragland | $183,000 | $161 | -31% |
Home value appreciation in St. Clair County
Home prices in St. Clair County have risen about 71% over the last 10 years (≈5.5% a year) and +77.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +0.6% — roughly flat. A home worth $263,500 today was worth roughly $153,734 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Alabama is +77.2% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for St. Clair County
Run the numbers for St. Clair County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in St. Clair County
To buy the typical $263,500 home in St. Clair County with 20% down, you need a household income of roughly $72,000 a year (about $1,670 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $85,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,200 | $2,080/mo | $89,000/yr |
| 10% (+PMI) | $26,400 | $1,990/mo | $85,000/yr |
| 20% | $52,700 | $1,670/mo | $72,000/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 St. Clair County
At about $167 per square foot, here is roughly how much home different budgets get you in St. Clair County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 900 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1200 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1500 sq ft | around the typical home here |
| $300k | 1800 sq ft | around the typical home here |
| $400k | 2400 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Alabama.
Estimate a specific home in St. Clair County
Enter your ZIP and size for an instant estimate tailored to your exact area:
St. Clair County home prices: frequently asked
What is the average home price in St. Clair County, AL? +
What salary do you need to buy a house in St. Clair County? +
Which part of St. Clair County is most expensive? +
Are home values in St. Clair County going up? +
Browse all Alabama cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.