35754 — Morgan County, Alabama Market Snapshot
Housing market data for zip code 35754 in Morgan County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$302,900
Days to Sell
44
Homes Sold
13
Inventory
7
Sale-to-List
95.2%
New Listings
6
Price/SqFt
$155
Pending Sales
8
Conforming Loan Available
Most homebuyers in 35754 can comfortably use conventional financing. The median home price of $302,900 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
35754's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 35754 sells for 4.8% below asking price (95.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35754 can comfortably use conventional financing. The median home price of $302,900 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 35754 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 35754
To purchase the median home at $302,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,471.
Monthly Payment
$2,471
Income Required
$105,888
Principal & Interest
$1,866/mo
Down Payment (5%)
$15,145
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 35754.
Estimated Monthly Payment
$2,025
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