35474 — Tuscaloosa County, Alabama Market Snapshot
Housing market data for zip code 35474 in Tuscaloosa County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$289,900
Days to Sell
43
Homes Sold
25
Inventory
22
Sale-to-List
98.2%
New Listings
34
Price/SqFt
$153
Pending Sales
31
Conforming Loan Available
Most homebuyers in 35474 can comfortably use conventional financing. The median home price of $289,900 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
35474's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 35474 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35474 can comfortably use conventional financing. The median home price of $289,900 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 35474 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 35474
To purchase the median home at $289,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,371.
Monthly Payment
$2,371
Income Required
$101,619
Principal & Interest
$1,786/mo
Down Payment (5%)
$14,495
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 35474.
Estimated Monthly Payment
$1,944
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 35474. Tell us what you're looking for.