35763 — Madison County, Alabama Market Snapshot
Housing market data for zip code 35763 in Madison County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
166 sales in 2026 (year to date)
Median Sale Price
$390,000
Days to Sell
61
Homes Sold
166
Inventory
180
Sale-to-List
98.9%
New Listings
230
Price/SqFt
$174
Pending Sales
196
Conforming Loan Available
Most homebuyers in 35763 can comfortably use conventional financing. The median home price of $390,000 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, 35763 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 35763 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35763 can comfortably use conventional financing. The median home price of $390,000 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 35763 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 35763
To purchase the median home at $390,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,138.
Monthly Payment
$3,138
Income Required
$134,488
Principal & Interest
$2,403/mo
Down Payment (5%)
$19,500
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 35763.
Estimated Monthly Payment
$2,564
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