35216 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35216 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$150,250
Days to Sell
57
Homes Sold
20
Inventory
43
Sale-to-List
96.2%
New Listings
42
Price/SqFt
$159
Pending Sales
27
Conforming Loan Available
Most homebuyers in 35216 can comfortably use conventional financing. The median home price of $150,250 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
35216'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
The average home in 35216 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35216 can comfortably use conventional financing. The median home price of $150,250 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 35216 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 35216
To purchase the median home at $150,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,301.
Monthly Payment
$1,301
Income Required
$55,764
Principal & Interest
$926/mo
Down Payment (5%)
$7,513
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 35216.
Estimated Monthly Payment
$1,080
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