35151 — Talladega County, Alabama Market Snapshot
Housing market data for zip code 35151 in Talladega County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$282,500
Days to Sell
75
Homes Sold
18
Inventory
27
Sale-to-List
98.2%
New Listings
18
Price/SqFt
$159
Pending Sales
26
Conforming Loan Available
Most homebuyers in 35151 can comfortably use conventional financing. The median home price of $282,500 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 75 days on average, 35151 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 35151 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35151 can comfortably use conventional financing. The median home price of $282,500 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 35151 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 35151
To purchase the median home at $282,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,314.
Monthly Payment
$2,314
Income Required
$99,190
Principal & Interest
$1,741/mo
Down Payment (5%)
$14,125
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 35151.
Estimated Monthly Payment
$1,898
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