35633 — Lauderdale County, Alabama Market Snapshot
Housing market data for zip code 35633 in Lauderdale County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$261,450
Days to Sell
43
Homes Sold
54
Inventory
59
Sale-to-List
97.4%
New Listings
91
Price/SqFt
$147
Pending Sales
80
Conforming Loan Available
Most homebuyers in 35633 can comfortably use conventional financing. The median home price of $261,450 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
35633's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35633 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35633 can comfortably use conventional financing. The median home price of $261,450 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 35633 are set at the county level.
2026 Loan Limits — Lauderdale 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 35633
To purchase the median home at $261,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,153.
Monthly Payment
$2,153
Income Required
$92,278
Principal & Interest
$1,611/mo
Down Payment (5%)
$13,073
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 35633.
Estimated Monthly Payment
$1,768
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