35741 — Madison County, Alabama Market Snapshot
Housing market data for zip code 35741 in Madison County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$546,200
Days to Sell
108
Homes Sold
14
Inventory
11
Sale-to-List
98.4%
New Listings
15
Price/SqFt
$176
Pending Sales
14
Conforming Loan Available
Most homebuyers in 35741 can comfortably use conventional financing. The median home price of $546,200 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 108 days on average, 35741 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 35741 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35741 can comfortably use conventional financing. The median home price of $546,200 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 35741 are set at the county level.
2026 Loan Limits — Madison 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 35741
To purchase the median home at $546,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,335.
Monthly Payment
$4,335
Income Required
$185,778
Principal & Interest
$3,366/mo
Down Payment (5%)
$27,310
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 35741.
Estimated Monthly Payment
$3,530
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