35214 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35214 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
43 sales in 2026 (year to date)
Median Sale Price
$170,000
Days to Sell
63
Homes Sold
43
Inventory
56
Sale-to-List
95.5%
New Listings
60
Price/SqFt
$91
Pending Sales
61
Conforming Loan Available
Most homebuyers in 35214 can comfortably use conventional financing. The median home price of $170,000 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 63 days on average, 35214 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 35214 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35214 can comfortably use conventional financing. The median home price of $170,000 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 35214 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 35214
To purchase the median home at $170,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,452.
Monthly Payment
$1,452
Income Required
$62,250
Principal & Interest
$1,047/mo
Down Payment (5%)
$8,500
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 35214.
Estimated Monthly Payment
$1,202
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 35214. Tell us what you're looking for.