35401 — Tuscaloosa County, Alabama Market Snapshot
Housing market data for zip code 35401 in Tuscaloosa County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
80 sales in 2026 (year to date)
Median Sale Price
$324,950
Days to Sell
36
Homes Sold
80
Inventory
72
Sale-to-List
97.2%
New Listings
73
Price/SqFt
$413
Pending Sales
76
Conforming Loan Available
Most homebuyers in 35401 can comfortably use conventional financing. The median home price of $324,950 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
35401's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35401 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35401 can comfortably use conventional financing. The median home price of $324,950 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 35401 are set at the county level.
2026 Loan Limits — Tuscaloosa 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 35401
To purchase the median home at $324,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,640.
Monthly Payment
$2,640
Income Required
$113,128
Principal & Interest
$2,002/mo
Down Payment (5%)
$16,248
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 35401.
Estimated Monthly Payment
$2,161
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