35620 — Limestone County, Alabama Market Snapshot
Housing market data for zip code 35620 in Limestone County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$279,700
Days to Sell
69
Homes Sold
26
Inventory
30
Sale-to-List
99.6%
New Listings
32
Price/SqFt
$166
Pending Sales
31
Conforming Loan Available
Most homebuyers in 35620 can comfortably use conventional financing. The median home price of $279,700 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 69 days on average, 35620 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 35620 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35620 can comfortably use conventional financing. The median home price of $279,700 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 35620 are set at the county level.
2026 Loan Limits — Limestone 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 35620
To purchase the median home at $279,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,293.
Monthly Payment
$2,293
Income Required
$98,270
Principal & Interest
$1,723/mo
Down Payment (5%)
$13,985
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 35620.
Estimated Monthly Payment
$1,881
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