Pell City, AL—35054
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Pell City, AL
As of Oct '25, the median home price in Pell City, AL is $419,000, with a year-over-year change of 1.2%. This indicates that home prices in Pell City, AL are increasing. According to Zillow, the 1-year price projection is 0.2%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $419,000 | 1.2% |
| Single Family | $419,000 | 0.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $384,000 | 1.6% |
4 Bed | $518,000 | 0.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Pell City, AL
Pell City, AL lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,600 | $2,600 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | $2,600 | $2,600 |
% of Rental Stock
Property Listings — Pell City, AL
As of Oct '25, Realtor.com reports that the median days on market for a home in Pell City, AL is 81. This is a increase of 34.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $406,000 | -32.0% |
Listing Count | 27 | 18.0% |
| Listings as % of Homes | 1.0% | 18.0% |
Days on Market | 81 | 34.0% |
Demographics — Pell City, AL
As of the latest ACS Survey released in 2023, Pell City, AL has a population of 4,950, which has increased by 31.2% over the past 5 years. Pell City, AL is a moderately popular place for families, as children make up 24.9% of the population. The area has a poorly educated workforce, with 19.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,950 | 31.2% |
% Under 18 | 24.9% | 33.2% |
% Seniors | 20.0% | -24.0% |
% WFH | 12.6% | 137.7% |
% w/ College Degree | 19.6% | 2.1% |
As of the latest ACS Survey released in 2023, Pell City, AL is a predominantly white area, with 94.3% of the population identifying as white. The white population has grown by 1.6% in the last 5 years. The second most common race or ethnicity in Pell City, AL is black, making up 3.2% of the population. Foreign-born residents account for 1.2% of the population in Pell City, AL, and this percentage has decreased by 47.8% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 94.3% | 1.6% |
% Black | 3.2% | 60.0% |
% Hispanic | 0.0% | -100.0% |
% Asian | 1.8% | 500.0% |
% Foreign Born | 1.2% | -47.8% |
Mortgage and Risk — Pell City, AL
According to HUD data as of 2023, there were 71 mortgage originations in Pell City, AL, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 11.0% above 90% LTV (elevated). This implies medium mortgage risk in Pell City, AL. Investor activity is low, as 6.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 71 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 6.0% |
% Second Loans | 6.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Pell City, AL
Pell City, AL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,260 |
| 2 Bedroom | N/A | N/A | $1,390 |
| 3 Bedroom | N/A | N/A | $1,740 |
| 4 Bedroom | -$630 | $2,600 | $1,970 |
Affordability — Pell City, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.9 |
| Median Home Price | $419,000 |
| Median Household Income | $80,100 |