35978 — DeKalb County, Alabama Market Snapshot
Housing market data for zip code 35978 in DeKalb County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$189,959
Days to Sell
164
Homes Sold
13
Inventory
10
Sale-to-List
94.2%
New Listings
14
Price/SqFt
$143
Pending Sales
12
Conforming Loan Available
Most homebuyers in 35978 can comfortably use conventional financing. The median home price of $189,959 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 164 days on average, 35978 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
The average home in 35978 sells for 5.8% below asking price (94.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35978 can comfortably use conventional financing. The median home price of $189,959 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 35978 are set at the county level.
2026 Loan Limits — DeKalb 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 35978
To purchase the median home at $189,959 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,605.
Monthly Payment
$1,605
Income Required
$68,803
Principal & Interest
$1,170/mo
Down Payment (5%)
$9,498
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 35978.
Estimated Monthly Payment
$1,326
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