35005 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35005 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$166,000
Days to Sell
63
Homes Sold
17
Inventory
34
Sale-to-List
102.1%
New Listings
35
Price/SqFt
$98
Pending Sales
30
Conforming Loan Available
Most homebuyers in 35005 can comfortably use conventional financing. The median home price of $166,000 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 63 days on average, 35005 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
Homes in 35005 are selling 2.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 35005 can comfortably use conventional financing. The median home price of $166,000 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 35005 are set at the county level.
2026 Loan Limits — Jefferson 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 35005
To purchase the median home at $166,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,422.
Monthly Payment
$1,422
Income Required
$60,936
Principal & Interest
$1,023/mo
Down Payment (5%)
$8,300
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 35005.
Estimated Monthly Payment
$1,177
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