35950 — Marshall County, Alabama Market Snapshot
Housing market data for zip code 35950 in Marshall County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$214,750
Days to Sell
32
Homes Sold
44
Inventory
57
Sale-to-List
97.4%
New Listings
75
Price/SqFt
$145
Pending Sales
59
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $214,750 median-priced home in 35950 is $204,013. 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
Market Temperature
The median listing-to-close time for the reported sales in 35950 is 32 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 35950 is 97.4%, or 2.6% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $214,750 median-priced home in 35950 is $204,013. 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 35950 are set at the county level.
2026 Loan Limits — Marshall 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 35950
To purchase the median home at $214,750 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $1,880.
Monthly Payment
$1,880
Income Required
$80,586
Principal & Interest
$1,323/mo
Property Tax
$322/mo
Home Insurance
$150/mo
Estimated PMI
$85/mo
Down Payment (5%)
$10,738
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 35950.
Estimated Monthly Payment
$1,479
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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