35810 — Madison County, Alabama Market Snapshot
Housing market data for zip code 35810 in Madison County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
97 sales in 2026 (year to date)
Median Sale Price
$212,000
Days to Sell
57
Homes Sold
97
Inventory
162
Sale-to-List
97.6%
New Listings
163
Price/SqFt
$143
Pending Sales
139
Conforming Loan Available
Most homebuyers in 35810 can comfortably use conventional financing. The median home price of $212,000 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
35810's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35810 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35810 can comfortably use conventional financing. The median home price of $212,000 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 35810 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 35810
To purchase the median home at $212,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,774.
Monthly Payment
$1,774
Income Required
$76,041
Principal & Interest
$1,306/mo
Down Payment (5%)
$10,600
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 35810.
Estimated Monthly Payment
$1,462
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