35954 — Etowah County, Alabama Market Snapshot
Housing market data for zip code 35954 in Etowah County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$150,000
Days to Sell
55
Homes Sold
17
Inventory
30
Sale-to-List
93.2%
New Listings
29
Price/SqFt
$94
Pending Sales
23
Conforming Loan Available
Most homebuyers in 35954 can comfortably use conventional financing. The median home price of $150,000 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
35954's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35954 sells for 6.8% below asking price (93.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35954 can comfortably use conventional financing. The median home price of $150,000 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 35954 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 35954
To purchase the median home at $150,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,299.
Monthly Payment
$1,299
Income Required
$55,682
Principal & Interest
$924/mo
Down Payment (5%)
$7,500
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 35954.
Estimated Monthly Payment
$1,078
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 35954. Tell us what you're looking for.