35670 — Morgan County, Alabama Market Snapshot
Housing market data for zip code 35670 in Morgan County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$286,500
Days to Sell
53
Homes Sold
22
Inventory
23
Sale-to-List
97.7%
New Listings
25
Price/SqFt
$167
Pending Sales
24
Conforming Loan Available
Most homebuyers in 35670 can comfortably use conventional financing. The median home price of $286,500 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
35670's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35670 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35670 can comfortably use conventional financing. The median home price of $286,500 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 35670 are set at the county level.
2026 Loan Limits — Morgan 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 35670
To purchase the median home at $286,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,345.
Monthly Payment
$2,345
Income Required
$100,503
Principal & Interest
$1,765/mo
Down Payment (5%)
$14,325
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 35670.
Estimated Monthly Payment
$1,923
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