35962 — Marshall County, Alabama Market Snapshot
Housing market data for zip code 35962 in Marshall County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$208,250
Days to Sell
85
Homes Sold
14
Inventory
15
Sale-to-List
98.1%
New Listings
18
Price/SqFt
$141
Pending Sales
17
Conforming Loan Available
Most homebuyers in 35962 can comfortably use conventional financing. The median home price of $208,250 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 85 days on average, 35962 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 35962 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35962 can comfortably use conventional financing. The median home price of $208,250 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 35962 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 35962
To purchase the median home at $208,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,746.
Monthly Payment
$1,746
Income Required
$74,809
Principal & Interest
$1,283/mo
Down Payment (5%)
$10,413
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 35962.
Estimated Monthly Payment
$1,439
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