35759 — Madison County, Alabama Market Snapshot
Housing market data for zip code 35759 in Madison County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
153 sales in 2026 (year to date)
Median Sale Price
$334,120
Days to Sell
111
Homes Sold
153
Inventory
206
Sale-to-List
98.7%
New Listings
179
Price/SqFt
$153
Pending Sales
177
Conforming Loan Available
Most homebuyers in 35759 can comfortably use conventional financing. The median home price of $334,120 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 111 days on average, 35759 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 35759 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35759 can comfortably use conventional financing. The median home price of $334,120 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 35759 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 35759
To purchase the median home at $334,120 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,710.
Monthly Payment
$2,710
Income Required
$116,139
Principal & Interest
$2,059/mo
Down Payment (5%)
$16,706
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 35759.
Estimated Monthly Payment
$2,218
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