35747 — Marshall County, Alabama Market Snapshot
Housing market data for zip code 35747 in Marshall County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$357,500
Days to Sell
70
Homes Sold
16
Inventory
33
Sale-to-List
99.3%
New Listings
30
Price/SqFt
$201
Pending Sales
26
Conforming Loan Available
Most homebuyers in 35747 can comfortably use conventional financing. The median home price of $357,500 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 70 days on average, 35747 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 35747 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35747 can comfortably use conventional financing. The median home price of $357,500 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 35747 are set at the county level.
2026 Loan Limits — Marshall 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 35747
To purchase the median home at $357,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,889.
Monthly Payment
$2,889
Income Required
$123,816
Principal & Interest
$2,203/mo
Down Payment (5%)
$17,875
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 35747.
Estimated Monthly Payment
$2,362
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