Rental numbers for St. Clair County, AL
The typical home here runs -$552 a month at 7.78% with 25% down, breaking even at about 3.6%. 0 of 2 ZIP codes with full Zillow data in this county are cash-flow positive; the median gross yield is 8.1%.
- Gross yield
- 7.1%
- typical home, Zillow
- Median ZIP yield
- 8.1%
- 2 ZIPs with full data
- Cash flow
- -$552/mo
- at 7.78%, 25% down
- Typical price
- $280,000
- Zillow ZHVI, Aug 2026
- Typical rent
- $1,663/mo
- Zillow ZORI, Aug 2026
ZIP codes in St. Clair County
10 with published figures
| 35004Moody | $263,000 | $1,840 | 8.4% | 5.1% | -$292 | +1.5% |
| 35120Odenville | $261,000 | $1,689 | 7.8% | 4.6% | -$407 | +3.2% |
| 35131Ragland | $184,000 | $1,020* | 6.7% | 3.2% | -$501 | n/a |
| 35987Steele | $208,000 | $1,050* | 6.1% | 3.0% | -$605 | n/a |
| 35125Pell City | $233,000 | $1,140* | 5.9% | 2.9% | -$698 | n/a |
| 35953Ashville | $267,000 | $1,220* | 5.5% | 2.6% | -$848 | n/a |
| 35128Pell City | $326,000 | $1,310* | 4.8% | 2.2% | -$1,161 | n/a |
| 35135Riverside | $323,000 | $1,250* | 4.7% | 2.0% | -$1,200 | n/a |
| 35054Pell City | $430,000 | $1,410* | 3.9% | 1.7% | -$1,716 | n/a |
| 35146Springville | $333,000 | $1,020* | 3.7% | 1.2% | -$1,452 | n/a |
* HUD Fair Market Rent, 2 bedroom, where Zillow publishes no rent index. Conservative.
Trends
Five years to August 2026
- Price, 12 months
- +3.5%
- Rent, 12 months
- +2.6%
- Rent minus price growth
- -0.9 pts
- Property tax
- 0.32%
- effective rate, ACS 2024
Show the numbers
| Month | Typical value | Rent |
|---|---|---|
| Aug 2021 | $242,572 | $1,327 |
| Aug 2022 | $278,261 | $1,421 |
| Aug 2023 | $274,089 | $1,492 |
| Aug 2024 | $271,029 | $1,548 |
| Aug 2025 | $270,205 | $1,621 |
| Aug 2026 | $279,692 | $1,663 |
HUD Fair Market Rent
FY2027, Birmingham-Hoover, AL HUD Metro FMR Area
| Bedrooms | Studio | 1 bed | 2 bed | 3 bed | 4 bed |
|---|---|---|---|---|---|
| Fair Market Rent | $1,177 | $1,263 | $1,375 | $1,727 | $1,941 |
The 40th percentile gross rent for a standard unit, set by HUD each October and used for Section 8 payment standards. It runs below market rent; Zillow's index is shown above where it exists.
Supply
- Permits per 1,000 households
- 12.8
- 448 units, last 12 months
- National percentile
- 79th
- among US counties
Tools
Test a listing in St. Clair County against today's rate.
Open the calculatorPart of the Birmingham, AL metro.
Questions
- Is St. Clair County good for rental property?
- The typical home here runs -$552 a month at 7.78% with 25% down, breaking even at about 3.6%. 0 of 2 ZIP codes with full Zillow data in this county are cash-flow positive; the median gross yield is 8.1%. The figures use a typical home, 7.78% with 25% down and default costs shown on each ZIP page. They describe the market, not any one property.
- What is the property tax rate in St. Clair County?
- About 0.32% of value, from Census ACS median taxes paid over median home value. On a $280,000 home that is about $895 a year.
- What is Fair Market Rent in St. Clair County?
- HUD's FY2027 Fair Market Rent here is $1,263 for a 1-bedroom, $1,375 for a 2-bedroom and $1,727 for a 3-bedroom. Typical cash flow at today's rate is -$552 a month.
Sources and method
- Zillow Home Value Index (ZHVI), mid tier, smoothed and seasonally adjusted
Zillow Research. Read: 2026-08.
Typical home value by ZIP, county, metro and state, and the price trend.
- Zillow Observed Rent Index (ZORI), all homes plus multifamily, smoothed
Zillow Research. Read: 2026-08.
Typical market rent by ZIP, county and metro, and the rent trend (tier A pages).
- HUD Small Area Fair Market Rents, FY2026
US Department of Housing and Urban Development. Read: FY2026.
Rent by bedroom count for every ZIP. The rent used on tier B pages, and a reference on all pages. It is the 40th percentile gross rent, so it runs below market.
- HUD Fair Market Rents by county, FY2027
US Department of Housing and Urban Development. Read: FY2027.
County rent by bedroom count on county pages.
- American Community Survey 5-year estimates, 2020 to 2024 (B25103 median real estate taxes paid, B25077 median home value, B11001 households)
US Census Bureau. Read: 2020 to 2024.
Effective property tax rate (median taxes paid divided by median value) by ZIP code tabulation area, county and state; households for the permits ratio.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed (FRED series MORTGAGE30US)
Freddie Mac via the Federal Reserve Bank of St. Louis. Read: 2026-09-24.
The weekly 30-year rate. The site adds a disclosed investor premium to it for the loan payment.
- Building Permits Survey, county monthly files
US Census Bureau. Read: 2025-09 to 2026-08.
New housing units permitted in the last 12 months per 1,000 households, a supply-pressure signal.
Data: Zillow Research (ZHVI, ZORI), HUD, US Census Bureau, Freddie Mac. Every formula is on the methodology page.
Estimates from public data for a typical property. Not investment, tax or legal advice. Your property, financing and costs will differ.