35096 — Talladega County, Alabama Market Snapshot
Housing market data for zip code 35096 in Talladega County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$223,000
Days to Sell
98
Homes Sold
29
Inventory
39
Sale-to-List
98.4%
New Listings
25
Price/SqFt
$143
Pending Sales
48
Conforming Loan Available
Most homebuyers in 35096 can comfortably use conventional financing. The median home price of $223,000 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 98 days on average, 35096 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 35096 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35096 can comfortably use conventional financing. The median home price of $223,000 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 35096 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 35096
To purchase the median home at $223,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,859.
Monthly Payment
$1,859
Income Required
$79,653
Principal & Interest
$1,374/mo
Down Payment (5%)
$11,150
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 35096.
Estimated Monthly Payment
$1,530
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