35223 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35223 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
61 sales in 2026 (year to date)
Median Sale Price
$975,000
Days to Sell
26
Homes Sold
61
Inventory
25
Sale-to-List
107.0%
New Listings
71
Price/SqFt
$275
Pending Sales
62
Jumbo Loan Likely Needed
The median home in 35223 at $975,000 exceeds the 2026 conforming loan limit of $832,750 by $142,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 35223 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 35223 are selling 7.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 35223 at $975,000 exceeds the 2026 conforming loan limit of $832,750 by $142,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 35223 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 35223
To purchase the median home at $975,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,620.
Monthly Payment
$7,620
Income Required
$326,577
Principal & Interest
$6,008/mo
Down Payment (5%)
$48,750
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 35223.
Estimated Monthly Payment
$6,184
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