35120 — St. Clair County, Alabama Market Snapshot
Housing market data for zip code 35120 in St. Clair 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
$269,000
Days to Sell
73
Homes Sold
83
Inventory
103
Sale-to-List
99.2%
New Listings
109
Price/SqFt
$157
Pending Sales
99
Conforming Loan Available
Most homebuyers in 35120 can comfortably use conventional financing. The median home price of $269,000 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
With homes sitting for 73 days on average, 35120 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 35120 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 35120 can comfortably use conventional financing. The median home price of $269,000 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 35120 are set at the county level.
2026 Loan Limits — St. Clair 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 35120
To purchase the median home at $269,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,211.
Monthly Payment
$2,211
Income Required
$94,757
Principal & Interest
$1,657/mo
Down Payment (5%)
$13,450
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 35120.
Estimated Monthly Payment
$1,815
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