35079 — Blount County, Alabama Market Snapshot
Housing market data for zip code 35079 in Blount County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$229,750
Days to Sell
78
Homes Sold
18
Inventory
38
Sale-to-List
97.5%
New Listings
37
Price/SqFt
$166
Pending Sales
32
Conforming Loan Available
Most homebuyers in 35079 can comfortably use conventional financing. The median home price of $229,750 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 78 days on average, 35079 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 35079 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35079 can comfortably use conventional financing. The median home price of $229,750 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 35079 are set at the county level.
2026 Loan Limits — Blount County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 35079
To purchase the median home at $229,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,910.
Monthly Payment
$1,910
Income Required
$81,869
Principal & Interest
$1,416/mo
Down Payment (5%)
$11,488
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 35079.
Estimated Monthly Payment
$1,572
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