35068 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35068 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
53 sales in 2026 (year to date)
Median Sale Price
$296,035
Days to Sell
75
Homes Sold
53
Inventory
30
Sale-to-List
97.2%
New Listings
43
Price/SqFt
$152
Pending Sales
53
Conforming Loan Available
Most homebuyers in 35068 can comfortably use conventional financing. The median home price of $296,035 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 75 days on average, 35068 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 35068 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35068 can comfortably use conventional financing. The median home price of $296,035 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 35068 are set at the county level.
2026 Loan Limits — Jefferson 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 35068
To purchase the median home at $296,035 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,418.
Monthly Payment
$2,418
Income Required
$103,634
Principal & Interest
$1,824/mo
Down Payment (5%)
$14,802
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 35068.
Estimated Monthly Payment
$1,982
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