30165 — Cherokee County, Alabama Market Snapshot
Housing market data for zip code 30165 in Cherokee County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
143 sales in 2026 (year to date)
Median Sale Price
$256,000
Days to Sell
50
Homes Sold
143
Inventory
154
Sale-to-List
97.5%
New Listings
150
Price/SqFt
$160
Pending Sales
164
Conforming Loan Available
Most homebuyers in 30165 can comfortably use conventional financing. The median home price of $256,000 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
30165's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 30165 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30165 can comfortably use conventional financing. The median home price of $256,000 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 30165 are set at the county level.
2026 Loan Limits — Cherokee 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 30165
To purchase the median home at $256,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,111.
Monthly Payment
$2,111
Income Required
$90,488
Principal & Interest
$1,577/mo
Down Payment (5%)
$12,800
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 30165.
Estimated Monthly Payment
$1,734
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