St. Clair County, Alabama Housing Market
In St. Clair County, Alabama, the median home value is $226,300, with a median monthly rent of $1,084. This places St. Clair County at #1115 nationally out of 3134 counties by median home value, and #8 within Alabama.
📈 Price Trend (2017 → 2024)
📊 Recent Market Momentum (FHFA HPI)
FHFA House Price Index — All-Transactions, Annual (2000 = 100) · Latest: 2025
📍 Economic Snapshot
Employment & Wages
- Avg weekly wage: $1,110
- Establishments: 2,013
- BLS QCEW, 2025
Housing Supply
- Single-family: 411
- Multi-family: 0
- U.S. Census Bureau, Building Permits Survey
Migration Patterns
- Inflow: 34,548 (avg $71,294)
- Outflow: 32,322 (avg $71,095)
- IRS Statistics of Income
📍 Sub-Market Activity
Top 8 active ZIP codes in St. Clair County · Latest: 2025
| # | ZIP Code | HPI | YoY Change | Latest Year |
|---|---|---|---|---|
| 1 | 35054 | 240.6 | -10.21% | 2025 |
| 2 | 35953 | 204.7 | +19.14% | 2025 |
| 3 | 35135 | 237.0 | — | 2025 |
| 4 | 35004 | 201.4 | -6.55% | 2025 |
| 5 | 35128 | 234.4 | -2.81% | 2025 |
| 6 | 35125 | 224.0 | +5.80% | 2025 |
| 7 | 35120 | 200.5 | +2.73% | 2025 |
| 8 | 35178 | 224.3 | -5.21% | 2024 |
Source: FHFA HPI for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100).
This product uses FHFA Data but is neither endorsed nor certified by FHFA.
📝 Local Market Notes
St. Clair County, Alabama, functions as a balanced market with a slight lean toward buyers, characterized by a price-to-rent ratio of 17.4, which is below the national average of 18.7. The market’s affordability is robust, evidenced by a price-to-income ratio of 2.92, significantly lower than the national benchmark of 3.20, and a rent burden of 16.8%, also under the national average of 17.2%. These metrics indicate that both homeownership and rental costs remain manageable relative to the median household income of $77,463. The high owner-occupancy rate of 82.6% further stabilizes the market, reducing the volatility typically associated with high rental turnover. The multi-year trend reveals a period of rapid appreciation followed by stabilization. Home values surged 18.2% in 2022, the peak annual growth, before moderating to 3.6% in 2024. This deceleration aligns with the recent FHFA HPI data, which shows a minimal 0.64% year-over-year increase in 2025, underperforming the Alabama state average of 2.79% by 2.15 percentage points. This divergence suggests that while the broader state market continues to expand, St. Clair County is experiencing a cooling phase. The similarity in growth rates between home values and rents indicates a synchronized market where neither side is disproportionately outpacing the other, maintaining equilibrium. Regional context highlights St. Clair County’s premium position within Alabama, where home values are 41.7% higher than the state average, driven by a local income level 13.9% above the national mean. The local economy supports this stability with 18,861 jobs and an average weekly wage of $1,110. Housing supply remains tight, with 411 new single-family units authorized in 2025 and zero multi-family permits, limiting new inventory. Positive net migration of 2,226 filers between 2021 and 2022, with inflow incomes slightly exceeding outflow incomes, suggests a modest influx of higher-earning residents. With 30-year fixed mortgage rates at 7.40%, the high interest environment acts as a headwind for demand, yet the county’s strong income base and low price-to-income ratio mitigate this pressure. Potential buyers benefit from stable, moderate price growth, while renters face a market where costs are rising in tandem with property values, reflecting a healthy, demand-driven equilibrium.
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💰 Mortgage Guide → 🧾 Property Tax Data →How St. Clair County Compares
| Metric | St. Clair County | Alabama Average | U.S. Average |
|---|---|---|---|
| Median Home Value | $226,300 | $159,659 | $227,706 |
| Median Gross Rent | $1,084 | $820 | $968 |
| Owner Occupancy Rate | 82.6% | 73.2% | 73.3% |
| Price/Rent Ratio | 17.4 | 16.0 | 18.7 |
Market Analysis
The median home value in St. Clair County is 41.7% above the Alabama state average and 0.6% below the U.S. national average. The median rent of $1,084/month is 32.2% above the state average.
With a price-to-rent ratio of 17.4, the buy-vs-rent decision in St. Clair County is balanced. Whether buying or renting makes more sense depends on your time horizon, down payment capacity, and local market conditions.
St. Clair County has an owner-occupancy rate of 82.6%, compared to 73.2% in Alabama and 73.3% nationally. This indicates a more homeowner-heavy market than the U.S. average.
Similar Counties by Home Value
| County | State | Median Home Value | Median Rent |
|---|---|---|---|
| Franklin County | Texas | $226,300 | $936 |
| Washington County | Colorado | $226,200 | $947 |
| Jeff Davis County | Texas | $226,200 | $1,241 |
| Moody County | South Dakota | $226,500 | $758 |
| Washburn County | Wisconsin | $226,100 | $795 |
Other Counties in Alabama
| County | Median Home Value | Median Rent | Owner Occ. |
|---|---|---|---|
| Elmore County | $223,900 | $1,071 | 77.0% |
| Jefferson County | $240,000 | $1,193 | 63.9% |
| Morgan County | $212,000 | $864 | 72.7% |
| Autauga County | $207,200 | $1,263 | 77.1% |
| Tuscaloosa County | $248,700 | $1,037 | 61.4% |
Data Source: U.S. Census Bureau, American Community Survey (ACS) 2024 5-Year Estimates (2017–2024). Variables: B25077 (Median Home Value), B25064 (Median Gross Rent), B25003 (Tenure). Data collected on 2026-10-14. The price-to-rent ratio is calculated as Median Home Value ÷ (Median Monthly Rent × 12).