35768 — Jackson County, Alabama Market Snapshot
Housing market data for zip code 35768 in Jackson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$232,500
Days to Sell
58
Homes Sold
20
Inventory
45
Sale-to-List
95.9%
New Listings
30
Price/SqFt
$152
Pending Sales
27
Conforming Loan Available
Most homebuyers in 35768 can comfortably use conventional financing. The median home price of $232,500 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
35768's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35768 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35768 can comfortably use conventional financing. The median home price of $232,500 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 35768 are set at the county level.
2026 Loan Limits — Jackson 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 35768
To purchase the median home at $232,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,931.
Monthly Payment
$1,931
Income Required
$82,772
Principal & Interest
$1,433/mo
Down Payment (5%)
$11,625
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 35768.
Estimated Monthly Payment
$1,589
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