35128 — St. Clair County, Alabama Market Snapshot
Housing market data for zip code 35128 in St. Clair County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$389,837
Days to Sell
92
Homes Sold
46
Inventory
56
Sale-to-List
97.5%
New Listings
51
Price/SqFt
$162
Pending Sales
54
Conforming Loan Available
Most homebuyers in 35128 can comfortably use conventional financing. The median home price of $389,837 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 92 days on average, 35128 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
The average home in 35128 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35128 can comfortably use conventional financing. The median home price of $389,837 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 35128 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 35128
To purchase the median home at $389,837 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,137.
Monthly Payment
$3,137
Income Required
$134,435
Principal & Interest
$2,402/mo
Down Payment (5%)
$19,492
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 35128.
Estimated Monthly Payment
$2,563
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