35203 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35203 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$288,000
Days to Sell
153
Homes Sold
16
Inventory
37
Sale-to-List
95.9%
New Listings
27
Price/SqFt
$290
Pending Sales
19
Conforming Loan Available
Most homebuyers in 35203 can comfortably use conventional financing. The median home price of $288,000 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 153 days on average, 35203 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 35203 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35203 can comfortably use conventional financing. The median home price of $288,000 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 35203 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 35203
To purchase the median home at $288,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,357.
Monthly Payment
$2,357
Income Required
$100,995
Principal & Interest
$1,775/mo
Down Payment (5%)
$14,400
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 35203.
Estimated Monthly Payment
$1,932
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