35984 — DeKalb County, Alabama Market Snapshot
Housing market data for zip code 35984 in DeKalb County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$359,000
Days to Sell
29
Homes Sold
15
Inventory
40
Sale-to-List
95.9%
New Listings
34
Price/SqFt
$316
Pending Sales
19
Conforming Loan Available
Most homebuyers in 35984 can comfortably use conventional financing. The median home price of $359,000 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
Homes in 35984 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 35984 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35984 can comfortably use conventional financing. The median home price of $359,000 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 35984 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 35984
To purchase the median home at $359,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,901.
Monthly Payment
$2,901
Income Required
$124,309
Principal & Interest
$2,212/mo
Down Payment (5%)
$17,950
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 35984.
Estimated Monthly Payment
$2,372
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