35091 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35091 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$305,490
Days to Sell
75
Homes Sold
37
Inventory
51
Sale-to-List
99.5%
New Listings
40
Price/SqFt
$150
Pending Sales
49
Conforming Loan Available
Most homebuyers in 35091 can comfortably use conventional financing. The median home price of $305,490 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 75 days on average, 35091 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 are selling very close to asking price in 35091 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35091 can comfortably use conventional financing. The median home price of $305,490 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 35091 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 35091
To purchase the median home at $305,490 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,491.
Monthly Payment
$2,491
Income Required
$106,739
Principal & Interest
$1,882/mo
Down Payment (5%)
$15,275
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 35091.
Estimated Monthly Payment
$2,041
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