35228 — Jefferson County, Alabama Market Snapshot
Housing market data for zip code 35228 in Jefferson County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$77,500
Days to Sell
74
Homes Sold
27
Inventory
55
Sale-to-List
89.0%
New Listings
47
Price/SqFt
$57
Pending Sales
37
Conforming Loan Available
Most homebuyers in 35228 can comfortably use conventional financing. The median home price of $77,500 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 74 days on average, 35228 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 35228 sells for 11.0% below asking price (89.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35228 can comfortably use conventional financing. The median home price of $77,500 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 35228 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 35228
To purchase the median home at $77,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $744.
Monthly Payment
$744
Income Required
$31,876
Principal & Interest
$478/mo
Down Payment (5%)
$3,875
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 35228.
Estimated Monthly Payment
$630
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