35950 — Marshall County, Alabama Market Snapshot
Housing market data for zip code 35950 in Marshall County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$214,750
Days to Sell
32
Homes Sold
44
Inventory
57
Sale-to-List
97.4%
New Listings
75
Price/SqFt
$145
Pending Sales
59
Conforming Loan Available
Most homebuyers in 35950 can comfortably use conventional financing. The median home price of $214,750 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
35950's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35950 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35950 can comfortably use conventional financing. The median home price of $214,750 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 35950 are set at the county level.
2026 Loan Limits — Marshall 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 35950
To purchase the median home at $214,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,795.
Monthly Payment
$1,795
Income Required
$76,943
Principal & Interest
$1,323/mo
Down Payment (5%)
$10,738
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 35950.
Estimated Monthly Payment
$1,479
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