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St. Clair County/Pell City/35125

35125

ZIPSAFMR
St. Clair County, AL
Zillow

ZIP Investment Score

103Above average

095130300
BRFMR
Eff. Rent
0 BR$1,000$1,100
1 BR$1,070$1,180
2 BR$1,170$1,290
3 BR$1,470$1,520
4 BR$1,650$1,770
5 BR$1,897Not available
6 BR$2,182Not available
7 BR$2,509Not available
8 BR$2,886Not available

Purchase Price Calculator

Maximum purchase price
$129,777

Cost breakdown

+Likely effective rent$1,290
HUD FMR$1,170
Market rent$1,360
Est. payment standard (110%)Used$1,290
-Principal and interest-$656
Loan amount$103,822
Down payment$25,955
Rate6.50%
Term30 years
-Operating costs-$434
Property taxes-$130
Insurance-$175
Utilities$0
HOA$0
Management-$129
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,898(80.5% ROI)
Projected value
$139,756
Return breakdown
Property appreciation+$9,979
Loan principal paid down+$3,720
Rental cash flow+$7,200
5-year hold
+$35,687(137.5% ROI)
Projected value
$146,831
Return breakdown
Property appreciation+$17,054
Loan principal paid down+$6,633
Rental cash flow+$12,000
10-year hold
+$76,154(293.4% ROI)
Projected value
$166,126
Return breakdown
Property appreciation+$36,349
Loan principal paid down+$15,806
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.72
1 BR
0.81
2 BR
0.86
3 BR
0.95
4 BR
0.90
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 35125 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 35125 (Pell City, AL) is $1,170 a month. That is up 2.6% from $1,140 in FY 2026. Pell City is in the Birmingham-Hoover, AL HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 8 ZIP codes in St. Clair County, 35125 is tied for the 6th-highest two-bedroom rent (county range $950–$1,740). The median county two-bedroom FMR in Alabama is $975, so ZIP 35125 is 20% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 35125
BedroomsFY 2027Change90–110% range
Studio$1,000+8.7%$900–$1,100
1BR$1,070+2.9%$963–$1,177
2BR$1,170+2.6%$1,053–$1,287
3BR$1,470+2.8%$1,323–$1,617
4BR$1,650+1.9%$1,485–$1,815

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 35125
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,000$1,070$1,170$1,470$1,650
FY 2026$920$1,040$1,140$1,430$1,620
FY 2025$940$1,070$1,190$1,490$1,680
FY 2024$920$1,040$1,170$1,470$1,650
FY 2023$800$870$990$1,270$1,380

Two-bedroom rent in nearby St. Clair County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 35125
35004$1,740+48.7%
35052$1,330+13.7%
35054$1,490+27.4%
35112$1,250+6.8%
35120$1,250+6.8%
35125Current$1,170—
35953$1,1700.0%
35987$950−18.8%

Questions about ZIP 35125 rents

How much will Section 8 pay for a two-bedroom in ZIP 35125?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,170, that basic range is $1,053 to $1,287 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 35125 in?

ZIP 35125 is in the Birmingham-Hoover, AL HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 35125 for FY 2027?

The two-bedroom FMR rose 2.6%, from $1,140 in FY 2026 to $1,170 in FY 2027. Since FY 2023 it has risen 18.2%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentPell City, AL fair market rentAL statewide rentsWhat is SAFMR?Data sources