35769 — Jackson County, Alabama Market Snapshot
Housing market data for zip code 35769 in Jackson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$289,000
Days to Sell
61
Homes Sold
39
Inventory
58
Sale-to-List
95.9%
New Listings
48
Price/SqFt
$178
Pending Sales
40
Conforming Loan Available
Most homebuyers in 35769 can comfortably use conventional financing. The median home price of $289,000 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 61 days on average, 35769 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 35769 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 35769 can comfortably use conventional financing. The median home price of $289,000 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 35769 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 35769
To purchase the median home at $289,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,364.
Monthly Payment
$2,364
Income Required
$101,324
Principal & Interest
$1,781/mo
Down Payment (5%)
$14,450
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 35769.
Estimated Monthly Payment
$1,939
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