35070 — Cullman County, Alabama Market Snapshot
Housing market data for zip code 35070 in Cullman County, Alabama. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Cullman County county page for broader data.
Market Sales Data
2 sales in 2019
Median Sale Price
$132,791
Days to Sell
3527
Homes Sold
2
Inventory
N/A
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $132,791 median-priced home in 35070 is $126,151. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $132,791 median-priced home in 35070 is $126,151. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 35070 are set at the county level.
2026 Loan Limits — Cullman 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 35070
To purchase the median home at $132,791 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $1,220.
Monthly Payment
$1,220
Income Required
$52,284
Principal & Interest
$818/mo
Property Tax
$199/mo
Home Insurance
$150/mo
Estimated PMI
$53/mo
Down Payment (5%)
$6,640
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 35070.
Estimated Monthly Payment
$972
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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