36265 — Calhoun County, Alabama Market Snapshot
Housing market data for zip code 36265 in Calhoun County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$247,450
Days to Sell
70
Homes Sold
48
Inventory
38
Sale-to-List
98.3%
New Listings
44
Price/SqFt
$136
Pending Sales
51
Conforming Loan Available
Most homebuyers in 36265 can comfortably use conventional financing. The median home price of $247,450 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 70 days on average, 36265 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 36265 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36265 can comfortably use conventional financing. The median home price of $247,450 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 36265 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 36265
To purchase the median home at $247,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,046.
Monthly Payment
$2,046
Income Required
$87,681
Principal & Interest
$1,525/mo
Down Payment (5%)
$12,373
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 36265.
Estimated Monthly Payment
$1,681
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