35045 — Chilton County, Alabama Market Snapshot
Housing market data for zip code 35045 in Chilton County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$247,450
Days to Sell
82
Homes Sold
44
Inventory
71
Sale-to-List
96.2%
New Listings
48
Price/SqFt
$153
Pending Sales
57
Conforming Loan Available
Most homebuyers in 35045 can comfortably use conventional financing. The median home price of $247,450 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 82 days on average, 35045 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 35045 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35045 can comfortably use conventional financing. The median home price of $247,450 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 35045 are set at the county level.
2026 Loan Limits — Chilton 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 35045
To purchase the median home at $247,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,046.
Monthly Payment
$2,046
Income Required
$87,681
Principal & Interest
$1,525/mo
Down Payment (5%)
$12,373
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 35045.
Estimated Monthly Payment
$1,681
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