36323 — Coffee County, Alabama Market Snapshot
Housing market data for zip code 36323 in Coffee County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$162,000
Days to Sell
73
Homes Sold
19
Inventory
21
Sale-to-List
94.0%
New Listings
15
Price/SqFt
$91
Pending Sales
23
Conforming Loan Available
Most homebuyers in 36323 can comfortably use conventional financing. The median home price of $162,000 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 73 days on average, 36323 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 36323 sells for 6.0% below asking price (94.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36323 can comfortably use conventional financing. The median home price of $162,000 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 36323 are set at the county level.
2026 Loan Limits — Coffee 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 36323
To purchase the median home at $162,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,391.
Monthly Payment
$1,391
Income Required
$59,622
Principal & Interest
$998/mo
Down Payment (5%)
$8,100
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 36323.
Estimated Monthly Payment
$1,153
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