36576 — Baldwin County, Alabama Market Snapshot
Housing market data for zip code 36576 in Baldwin County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$299,625
Days to Sell
56
Homes Sold
49
Inventory
56
Sale-to-List
97.6%
New Listings
58
Price/SqFt
$186
Pending Sales
50
Conforming Loan Available
Most homebuyers in 36576 can comfortably use conventional financing. The median home price of $299,625 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
36576's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 36576 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36576 can comfortably use conventional financing. The median home price of $299,625 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 36576 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 36576
To purchase the median home at $299,625 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,446.
Monthly Payment
$2,446
Income Required
$104,813
Principal & Interest
$1,846/mo
Down Payment (5%)
$14,981
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 36576.
Estimated Monthly Payment
$2,004
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