35020 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35020 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$73,000
Days to Sell
68
Homes Sold
35
Inventory
73
Sale-to-List
90.4%
New Listings
53
Price/SqFt
$57
Pending Sales
43
Conforming Loan Available
Most homebuyers in 35020 can comfortably use conventional financing. The median home price of $73,000 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 68 days on average, 35020 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 35020 sells for 9.6% below asking price (90.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35020 can comfortably use conventional financing. The median home price of $73,000 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 35020 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 35020
To purchase the median home at $73,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $709.
Monthly Payment
$709
Income Required
$30,399
Principal & Interest
$450/mo
Down Payment (5%)
$3,650
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 35020.
Estimated Monthly Payment
$602
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