Total monthly cost of ownership
Cost to Own a Home in Pell City, Alabama
A $238,000 home here costs
$1,868per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,224. The real number is $645 higher every month — 53% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Pell City against St. Clair County and Alabama
| Measure | Pell City | St. Clair County |
|---|---|---|
| Median home value | $238,100 | $218,500 |
| Median property tax | $780 | $666 |
| Effective tax rate | 0.328% | 0.305% |
| Median gross rent | $1,103 | $1,077 |
| Population | 13,353 | 92,903 |
The weather behind that power bill
Pell City sits in St. Clair County, which averages a high of 90.0°F in its hottest month and a low of 32.9°F in its coldest, with 52.23" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,840 cooling and 2,808 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for St. Clair County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Clair County
Full St. Clair County cost breakdown · Every county in Alabama
Common questions
How much does it cost to own a home in Pell City?
A $238,000 home in Pell City, Alabama costs approximately $1,868 per month with 20% down at 6.66%. That is $1,224 principal and interest, $65 property tax, $162 homeowners insurance, $219 utilities and $198 set aside for maintenance.
What is the property tax rate in Pell City?
Pell City has an effective property tax rate of 0.328%, based on a median home value of $238,100 and median real estate taxes of $780. That is higher than the St. Clair County average of 0.305%.
What is the average home price in Pell City?
The median owner-occupied home value in Pell City, Alabama is $238,100, against $218,500 across St. Clair County.
Is it cheaper to rent or buy in Pell City?
Median gross rent in Pell City is $1,103 a month, against $1,868 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pell City — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Alabama.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.