35903 — Etowah County, Alabama Market Snapshot
Housing market data for zip code 35903 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
$182,950
Days to Sell
66
Homes Sold
40
Inventory
48
Sale-to-List
95.0%
New Listings
49
Price/SqFt
$118
Pending Sales
45
Conforming Loan Available
Most homebuyers in 35903 can comfortably use conventional financing. The median home price of $182,950 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 66 days on average, 35903 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 35903 sells for 5.0% below asking price (95.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35903 can comfortably use conventional financing. The median home price of $182,950 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 35903 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 35903
To purchase the median home at $182,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,552.
Monthly Payment
$1,552
Income Required
$66,502
Principal & Interest
$1,127/mo
Down Payment (5%)
$9,148
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 35903.
Estimated Monthly Payment
$1,282
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