36207 — Calhoun County, Alabama Market Snapshot
Housing market data for zip code 36207 in Calhoun County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$226,000
Days to Sell
67
Homes Sold
64
Inventory
83
Sale-to-List
95.7%
New Listings
81
Price/SqFt
$115
Pending Sales
79
Conforming Loan Available
Most homebuyers in 36207 can comfortably use conventional financing. The median home price of $226,000 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 67 days on average, 36207 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 36207 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36207 can comfortably use conventional financing. The median home price of $226,000 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 36207 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 36207
To purchase the median home at $226,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,882.
Monthly Payment
$1,882
Income Required
$80,637
Principal & Interest
$1,393/mo
Down Payment (5%)
$11,300
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 36207.
Estimated Monthly Payment
$1,549
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