35173 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35173 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
139 sales in 2026 (year to date)
Median Sale Price
$424,321
Days to Sell
57
Homes Sold
139
Inventory
209
Sale-to-List
99.1%
New Listings
189
Price/SqFt
$174
Pending Sales
170
Conforming Loan Available
Most homebuyers in 35173 can comfortably use conventional financing. The median home price of $424,321 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
35173's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 35173 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35173 can comfortably use conventional financing. The median home price of $424,321 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 35173 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 35173
To purchase the median home at $424,321 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,401.
Monthly Payment
$3,401
Income Required
$145,758
Principal & Interest
$2,615/mo
Down Payment (5%)
$21,216
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 35173.
Estimated Monthly Payment
$2,776
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