35127 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35127 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$176,000
Days to Sell
67
Homes Sold
28
Inventory
35
Sale-to-List
97.6%
New Listings
32
Price/SqFt
$112
Pending Sales
33
Conforming Loan Available
Most homebuyers in 35127 can comfortably use conventional financing. The median home price of $176,000 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 67 days on average, 35127 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 35127 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35127 can comfortably use conventional financing. The median home price of $176,000 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 35127 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 35127
To purchase the median home at $176,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,498.
Monthly Payment
$1,498
Income Required
$64,220
Principal & Interest
$1,084/mo
Down Payment (5%)
$8,800
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 35127.
Estimated Monthly Payment
$1,239
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