35058 — Cullman County, Alabama Market Snapshot
Housing market data for zip code 35058 in Cullman County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$284,500
Days to Sell
80
Homes Sold
40
Inventory
61
Sale-to-List
96.0%
New Listings
56
Price/SqFt
$157
Pending Sales
38
Conforming Loan Available
Most homebuyers in 35058 can comfortably use conventional financing. The median home price of $284,500 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 80 days on average, 35058 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 35058 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35058 can comfortably use conventional financing. The median home price of $284,500 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 35058 are set at the county level.
2026 Loan Limits — Cullman 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 35058
To purchase the median home at $284,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,330.
Monthly Payment
$2,330
Income Required
$99,846
Principal & Interest
$1,753/mo
Down Payment (5%)
$14,225
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 35058.
Estimated Monthly Payment
$1,911
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