36567 — Baldwin County, Alabama Market Snapshot
Housing market data for zip code 36567 in Baldwin County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$289,060
Days to Sell
92
Homes Sold
50
Inventory
76
Sale-to-List
96.8%
New Listings
73
Price/SqFt
$172
Pending Sales
60
Conforming Loan Available
Most homebuyers in 36567 can comfortably use conventional financing. The median home price of $289,060 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, 36567 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 36567 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36567 can comfortably use conventional financing. The median home price of $289,060 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 36567 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 36567
To purchase the median home at $289,060 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,365.
Monthly Payment
$2,365
Income Required
$101,344
Principal & Interest
$1,781/mo
Down Payment (5%)
$14,453
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 36567.
Estimated Monthly Payment
$1,939
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