35904 — Etowah County, Alabama Market Snapshot
Housing market data for zip code 35904 in Etowah County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$155,000
Days to Sell
66
Homes Sold
39
Inventory
55
Sale-to-List
93.8%
New Listings
54
Price/SqFt
$87
Pending Sales
49
Conforming Loan Available
Most homebuyers in 35904 can comfortably use conventional financing. The median home price of $155,000 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
With homes sitting for 66 days on average, 35904 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 35904 sells for 6.2% below asking price (93.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35904 can comfortably use conventional financing. The median home price of $155,000 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 35904 are set at the county level.
2026 Loan Limits — Etowah 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 35904
To purchase the median home at $155,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,338.
Monthly Payment
$1,338
Income Required
$57,324
Principal & Interest
$955/mo
Down Payment (5%)
$7,750
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 35904.
Estimated Monthly Payment
$1,109
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