35208 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35208 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$83,750
Days to Sell
90
Homes Sold
24
Inventory
89
Sale-to-List
93.7%
New Listings
66
Price/SqFt
$66
Pending Sales
51
Conforming Loan Available
Most homebuyers in 35208 can comfortably use conventional financing. The median home price of $83,750 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 90 days on average, 35208 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 35208 sells for 6.3% below asking price (93.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35208 can comfortably use conventional financing. The median home price of $83,750 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 35208 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 35208
To purchase the median home at $83,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $792.
Monthly Payment
$792
Income Required
$33,928
Principal & Interest
$516/mo
Down Payment (5%)
$4,188
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 35208.
Estimated Monthly Payment
$668
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