35614 — Lauderdale County, Alabama Market Snapshot
Housing market data for zip code 35614 in Lauderdale County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$339,900
Days to Sell
61
Homes Sold
11
Inventory
32
Sale-to-List
99.6%
New Listings
34
Price/SqFt
$155
Pending Sales
20
Conforming Loan Available
Most homebuyers in 35614 can comfortably use conventional financing. The median home price of $339,900 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, 35614 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 35614 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35614 can comfortably use conventional financing. The median home price of $339,900 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 35614 are set at the county level.
2026 Loan Limits — Lauderdale 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 35614
To purchase the median home at $339,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,754.
Monthly Payment
$2,754
Income Required
$118,038
Principal & Interest
$2,094/mo
Down Payment (5%)
$16,995
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 35614.
Estimated Monthly Payment
$2,254
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