36564 — Baldwin County, Alabama Market Snapshot
Housing market data for zip code 36564 in Baldwin 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 Baldwin County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$1,132,550
Days to Sell
34
Homes Sold
2
Inventory
1
Jumbo Loan Likely Needed
The median home in 36564 at $1,132,550 exceeds the 2026 conforming loan limit of $832,750 by $299,800. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
36564's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 36564 at $1,132,550 exceeds the 2026 conforming loan limit of $832,750 by $299,800. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 36564 are set at the county level.
2026 Loan Limits — Baldwin 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 36564
To purchase the median home at $1,132,550 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,827.
Monthly Payment
$8,827
Income Required
$378,310
Principal & Interest
$6,978/mo
Down Payment (5%)
$56,628
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 36564.
Estimated Monthly Payment
$7,159
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 36564.
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