35901 — Etowah County, Alabama Market Snapshot
Housing market data for zip code 35901 in Etowah 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
$304,950
Days to Sell
72
Homes Sold
40
Inventory
75
Sale-to-List
95.8%
New Listings
61
Price/SqFt
$130
Pending Sales
61
Conforming Loan Available
Most homebuyers in 35901 can comfortably use conventional financing. The median home price of $304,950 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 72 days on average, 35901 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 35901 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35901 can comfortably use conventional financing. The median home price of $304,950 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 35901 are set at the county level.
2026 Loan Limits — Etowah 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 35901
To purchase the median home at $304,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,486.
Monthly Payment
$2,486
Income Required
$106,561
Principal & Interest
$1,879/mo
Down Payment (5%)
$15,248
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 35901.
Estimated Monthly Payment
$2,037
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