36203 — Calhoun County, Alabama Market Snapshot
Housing market data for zip code 36203 in Calhoun County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
42 sales in 2026 (year to date)
Median Sale Price
$249,500
Days to Sell
78
Homes Sold
42
Inventory
60
Sale-to-List
98.2%
New Listings
53
Price/SqFt
$143
Pending Sales
54
Conforming Loan Available
Most homebuyers in 36203 can comfortably use conventional financing. The median home price of $249,500 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 78 days on average, 36203 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
Homes are selling very close to asking price in 36203 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36203 can comfortably use conventional financing. The median home price of $249,500 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 36203 are set at the county level.
2026 Loan Limits — Calhoun 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 36203
To purchase the median home at $249,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,062.
Monthly Payment
$2,062
Income Required
$88,354
Principal & Interest
$1,537/mo
Down Payment (5%)
$12,475
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 36203.
Estimated Monthly Payment
$1,694
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