35206 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35206 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$147,500
Days to Sell
61
Homes Sold
52
Inventory
89
Sale-to-List
94.7%
New Listings
78
Price/SqFt
$84
Pending Sales
73
Conforming Loan Available
Most homebuyers in 35206 can comfortably use conventional financing. The median home price of $147,500 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
With homes sitting for 61 days on average, 35206 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 35206 sells for 5.3% below asking price (94.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35206 can comfortably use conventional financing. The median home price of $147,500 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 35206 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 35206
To purchase the median home at $147,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,280.
Monthly Payment
$1,280
Income Required
$54,861
Principal & Interest
$909/mo
Down Payment (5%)
$7,375
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 35206.
Estimated Monthly Payment
$1,063
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