Saint Clair County, Alabama home prices
Typical home $279,967 · +3.5% in a year · property tax 0.32%
The typical home in Saint Clair County is worth $279,967, 17% more than the Alabama typical home ($238,614). Values changed +3.5% in the past year and +14.3% over five years. Homeowners here pay a median 0.32% of their home's value in property tax each year ($896 on the typical home), versus 0.38% statewide.
Mortgage on the typical Saint Clair County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,993 | $223,974 | $1,507 | $0 | $215 | $1,721 | $73,800 |
| 10% down | $27,997 | $251,970 | $1,695 | $105 | $215 | $2,015 | $86,300 |
| 5% down | $13,998 | $265,969 | $1,789 | $111 | $215 | $2,115 | $90,600 |
| 3.5% down (FHA) | $9,799 | $274,896 | $1,849 | $124 | $215 | $2,188 | $93,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.32% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Alabama · part of the Birmingham metro area.
Alabama counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Elmore County | $272,853 | +4.3% | 0.27% |
| Autauga County | $265,448 | +3.8% | 0.3% |
| Tallapoosa County | $263,539 | -1.7% | 0.3% |
| Cullman County | $252,044 | +3.2% | 0.26% |
| Tuscaloosa County | $249,799 | +0.6% | 0.32% |
| Madison County | $311,524 | +1.2% | 0.4% |
| Marshall County | $240,091 | +2.9% | 0.36% |
| Limestone County | $319,959 | +0.7% | 0.32% |
| Blount County | $235,551 | +2.1% | 0.3% |
| Cleburne County | $232,870 | +6.4% | 0.29% |
Frequently asked questions
What is the average home price in Saint Clair County, AL?
The typical home value in Saint Clair County is $279,967 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saint Clair County?
About $73,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saint Clair County?
The median effective rate is 0.32% of home value a year (Census ACS 2024 5-year estimates).