35476 — Tuscaloosa County, Alabama Market Snapshot
Housing market data for zip code 35476 in Tuscaloosa County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$261,950
Days to Sell
13
Homes Sold
24
Inventory
16
Sale-to-List
95.7%
New Listings
24
Price/SqFt
$156
Pending Sales
22
Conforming Loan Available
Most homebuyers in 35476 can comfortably use conventional financing. The median home price of $261,950 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
35476 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 35476 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 35476 can comfortably use conventional financing. The median home price of $261,950 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 35476 are set at the county level.
2026 Loan Limits — Tuscaloosa 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 35476
To purchase the median home at $261,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,157.
Monthly Payment
$2,157
Income Required
$92,442
Principal & Interest
$1,614/mo
Down Payment (5%)
$13,098
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 35476.
Estimated Monthly Payment
$1,771
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