36277 — Calhoun County, Alabama Market Snapshot
Housing market data for zip code 36277 in Calhoun County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$164,950
Days to Sell
51
Homes Sold
18
Inventory
18
Sale-to-List
99.6%
New Listings
22
Price/SqFt
$106
Pending Sales
26
Conforming Loan Available
Most homebuyers in 36277 can comfortably use conventional financing. The median home price of $164,950 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
36277's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 36277 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36277 can comfortably use conventional financing. The median home price of $164,950 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 36277 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 36277
To purchase the median home at $164,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,414.
Monthly Payment
$1,414
Income Required
$60,591
Principal & Interest
$1,016/mo
Down Payment (5%)
$8,248
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 36277.
Estimated Monthly Payment
$1,171
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