35146 — Blount County, Alabama Market Snapshot
Housing market data for zip code 35146 in Blount County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$341,450
Days to Sell
90
Homes Sold
56
Inventory
94
Sale-to-List
98.7%
New Listings
91
Price/SqFt
$151
Pending Sales
63
Conforming Loan Available
Most homebuyers in 35146 can comfortably use conventional financing. The median home price of $341,450 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 90 days on average, 35146 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 35146 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35146 can comfortably use conventional financing. The median home price of $341,450 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 35146 are set at the county level.
2026 Loan Limits — Blount 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 35146
To purchase the median home at $341,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,766.
Monthly Payment
$2,766
Income Required
$118,547
Principal & Interest
$2,104/mo
Down Payment (5%)
$17,073
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 35146.
Estimated Monthly Payment
$2,263
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