What is the Property Tax Rate in Pell City?

Based on HomeLight’s analysis of publicly available data, the average effective property tax rate for a primary residence in Pell City is approximately 0.30% of its estimated value. This is lower than the national average of 0.90%.

For example, with a 0.30% effective tax rate, a homeowner with a $220,000 home might pay around $660 in annual property taxes.

An effective property tax rate represents the actual percentage of a property’s market value that a homeowner pays in taxes, considering the assessed value and any exemptions or deductions.

Note: HomeLight’s Pell City property tax calculator provides a ballpark estimate for a primary residence using average rates. Your tax can vary based on location and the specific taxing districts (e.g., schools, fire districts, and libraries) that apply to your parcel. For a precise number, contact the St. Clair County Revenue Commissioner’s Office (Pell City).

Are There Property Tax Exemptions in Pell City?

Homeowners in Pell City may qualify for several property tax exemptions that can lower their tax bill. These are offered through the St. Clair County Revenue Commissioner’s Office (Pell City), depending on your location.

Common exemptions include homestead exemptions, senior citizen exemptions, and exemptions for disabled individuals. These will vary based on eligibility. For a complete list, consult the Pell City website’s section on property taxes.

If you’re buying a home in Pell City, note that property tax exemptions do not automatically transfer from the previous owner. After the house changes hands, you must reapply based on your eligibility.

When Are Pell City Property Taxes Due?

Property taxes in Pell City are due annually on October 1 and are payable through December 31. For a complete list of relevant due dates, late fees, and penalties, consult the Pell City website regarding property tax information.

What Do Property Taxes Pay For in Pell City?

Local property taxes in Pell City pay for important local services, including:

Public schools
Police, fire, and EMS services
Roads, streets, and traffic signals
Parks, libraries, and community centers
City and county government operations
Infrastructure like water, sewer, and trash services
Repayment of local bond projects (such as transit and school improvements)

What Does It Cost to Buy a Home in Pell City?

How Much House Can You Afford?

Affordability in Pell City depends on income, debt, credit score, and mortgage rate. With a median household income of around $92,564, a buyer might afford a home in the $311,000 range using standard debt-to-income guidelines.

Use HomeLight’s Home Affordability Calculator to estimate your budget based on your income, debts, and current rates.

What Down Payment Will You Need in Pell City?

According to NerdWallet, the average down payment on a house in Pell City is 10.4%. However, down payment amounts vary widely depending on loan type and credit score. While 20% used to be the expected standard, many buyers put down between 5% and 15%, with 3% options available for FHA and some conventional first-time buyer loans.

For a $220,000 home, here’s what your down payment could look like:

3% down = $6,600
5% down = $11,000
10% down = $22,000
15% down = $33,000
20% down = $44,000

Try HomeLight’s Down Payment Calculator to see how different down payments affect your monthly payment and loan size.

How Much Are Closing Costs in Pell City?

Buyers in Pell City can expect to pay about 2% to 5% of the purchase price in closing costs. These may include:

Loan origination and underwriting fees
Title insurance and escrow fees
Appraisal and inspection costs
Prepaid property taxes and homeowners’ insurance
Filing and recording fees

For a $220,000 home, that means estimated closing costs of $4,370 to $10,925. Use HomeLight’s Closing Costs Calculator to get a personalized estimate based on your expected Pell City home purchase price.

How To Find a Trusted Pell City Real Estate Agent

An experienced Pell City agent can help you understand local tax rates, school districts, and development trends — and guide you toward neighborhoods that fit your lifestyle and budget.

HomeLight’s free Agent Match tool uses data from over 27 million transactions and thousands of verified reviews to match you with top Pell City agents based on real performance, not paid ads.

Tell us a little about your buying plans and get matched today with no obligation.

Additional resources when searching for a trusted buyer’s agent in Pell City:

Buying and Selling? Consider “Buy Before You Sell”

If you’re buying a new home in Pell City but need to sell your current property first, HomeLight’s Buy Before You Sell program can simplify the entire process. This modern solution helps you unlock equity from your current home so you can make a non-contingent offer on your new home — and only move once. Watch the short video below to see how it works.