35748 — Madison County, Alabama Market Snapshot
Housing market data for zip code 35748 in Madison County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
72 sales in 2026 (year to date)
Median Sale Price
$495,021
Days to Sell
68
Homes Sold
72
Inventory
53
Sale-to-List
99.0%
New Listings
66
Price/SqFt
$191
Pending Sales
73
Conforming Loan Available
Most homebuyers in 35748 can comfortably use conventional financing. The median home price of $495,021 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 68 days on average, 35748 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
Homes are selling very close to asking price in 35748 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35748 can comfortably use conventional financing. The median home price of $495,021 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 35748 are set at the county level.
2026 Loan Limits — Madison 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 35748
To purchase the median home at $495,021 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,943.
Monthly Payment
$3,943
Income Required
$168,972
Principal & Interest
$3,050/mo
Down Payment (5%)
$24,751
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 35748.
Estimated Monthly Payment
$3,214
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