35801 — Madison County, Alabama Market Snapshot
Housing market data for zip code 35801 in Madison County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
83 sales in 2026 (year to date)
Median Sale Price
$455,000
Days to Sell
48
Homes Sold
83
Inventory
80
Sale-to-List
97.8%
New Listings
89
Price/SqFt
$212
Pending Sales
83
Conforming Loan Available
Most homebuyers in 35801 can comfortably use conventional financing. The median home price of $455,000 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
35801's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35801 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35801 can comfortably use conventional financing. The median home price of $455,000 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 35801 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 35801
To purchase the median home at $455,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,636.
Monthly Payment
$3,636
Income Required
$155,832
Principal & Interest
$2,804/mo
Down Payment (5%)
$22,750
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 35801.
Estimated Monthly Payment
$2,966
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 35801. Tell us what you're looking for.