The median household income in the city was $48,300. About 7.5% of families and 11.2% of the population were below the poverty line, including 15.2% of those under age 18 and 9.8% of those age 65 or over. However, these figures provide an incomplete picture of the area. Many of the affluent neighborhoods along the lake shore that are often considered part of Pell City are actually just outside the city limits in unincorporated areas. These neighborhoods constitute a sizable population and income level, but are not reflected in official city census data.