35213 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35213 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
106 sales in 2026 (year to date)
Median Sale Price
$766,000
Days to Sell
5
Homes Sold
106
Inventory
27
Sale-to-List
108.0%
New Listings
111
Price/SqFt
$365
Pending Sales
123
Conforming Loan Available
The median home in 35213 at $766,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
35213 is an extremely competitive market with homes selling in just 5 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 35213 are selling 8.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 35213 at $766,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 35213 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 35213
To purchase the median home at $766,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,019.
Monthly Payment
$6,019
Income Required
$257,951
Principal & Interest
$4,720/mo
Down Payment (5%)
$38,300
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 35213.
Estimated Monthly Payment
$4,891
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 35213. Tell us what you're looking for.