35674 — Franklin County, Alabama Market Snapshot
Housing market data for zip code 35674 in Franklin County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$211,450
Days to Sell
45
Homes Sold
44
Inventory
85
Sale-to-List
95.5%
New Listings
93
Price/SqFt
$127
Pending Sales
62
Conforming Loan Available
Most homebuyers in 35674 can comfortably use conventional financing. The median home price of $211,450 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
35674's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35674 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35674 can comfortably use conventional financing. The median home price of $211,450 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 35674 are set at the county level.
2026 Loan Limits — Franklin 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 35674
To purchase the median home at $211,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,770.
Monthly Payment
$1,770
Income Required
$75,860
Principal & Interest
$1,303/mo
Down Payment (5%)
$10,573
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 35674.
Estimated Monthly Payment
$1,459
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