35044 — Talladega County, Alabama Market Snapshot
Housing market data for zip code 35044 in Talladega County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$204,199
Days to Sell
140
Homes Sold
16
Inventory
31
Sale-to-List
96.0%
New Listings
16
Price/SqFt
$124
Pending Sales
21
Conforming Loan Available
Most homebuyers in 35044 can comfortably use conventional financing. The median home price of $204,199 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 140 days on average, 35044 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
The average home in 35044 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35044 can comfortably use conventional financing. The median home price of $204,199 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 35044 are set at the county level.
2026 Loan Limits — Talladega 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 35044
To purchase the median home at $204,199 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,715.
Monthly Payment
$1,715
Income Required
$73,479
Principal & Interest
$1,258/mo
Down Payment (5%)
$10,210
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 35044.
Estimated Monthly Payment
$1,414
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