35211 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35211 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
58 sales in 2026 (year to date)
Median Sale Price
$112,125
Days to Sell
64
Homes Sold
58
Inventory
99
Sale-to-List
93.8%
New Listings
93
Price/SqFt
$82
Pending Sales
80
Conforming Loan Available
Most homebuyers in 35211 can comfortably use conventional financing. The median home price of $112,125 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 64 days on average, 35211 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 35211 sells for 6.2% below asking price (93.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35211 can comfortably use conventional financing. The median home price of $112,125 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 35211 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 35211
To purchase the median home at $112,125 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,009.
Monthly Payment
$1,009
Income Required
$43,246
Principal & Interest
$691/mo
Down Payment (5%)
$5,606
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 35211.
Estimated Monthly Payment
$844
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