35634 — Lauderdale County, Alabama Market Snapshot
Housing market data for zip code 35634 in Lauderdale County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$353,250
Days to Sell
29
Homes Sold
33
Inventory
37
Sale-to-List
95.7%
New Listings
58
Price/SqFt
$151
Pending Sales
41
Conforming Loan Available
Most homebuyers in 35634 can comfortably use conventional financing. The median home price of $353,250 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
Homes in 35634 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 35634 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35634 can comfortably use conventional financing. The median home price of $353,250 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 35634 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 35634
To purchase the median home at $353,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,856.
Monthly Payment
$2,856
Income Required
$122,421
Principal & Interest
$2,177/mo
Down Payment (5%)
$17,663
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 35634.
Estimated Monthly Payment
$2,336
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