35907 — Etowah County, Alabama Market Snapshot
Housing market data for zip code 35907 in Etowah County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$284,900
Days to Sell
46
Homes Sold
38
Inventory
38
Sale-to-List
97.4%
New Listings
49
Price/SqFt
$158
Pending Sales
38
Conforming Loan Available
Most homebuyers in 35907 can comfortably use conventional financing. The median home price of $284,900 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
35907's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35907 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35907 can comfortably use conventional financing. The median home price of $284,900 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 35907 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 35907
To purchase the median home at $284,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,333.
Monthly Payment
$2,333
Income Required
$99,978
Principal & Interest
$1,755/mo
Down Payment (5%)
$14,245
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 35907.
Estimated Monthly Payment
$1,913
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