36025 — Elmore County, Alabama Market Snapshot
Housing market data for zip code 36025 in Elmore County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$281,450
Days to Sell
94
Homes Sold
12
Inventory
10
Sale-to-List
99.3%
New Listings
14
Price/SqFt
$161
Pending Sales
14
Conforming Loan Available
Most homebuyers in 36025 can comfortably use conventional financing. The median home price of $281,450 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 94 days on average, 36025 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 36025 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36025 can comfortably use conventional financing. The median home price of $281,450 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 36025 are set at the county level.
2026 Loan Limits — Elmore 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 36025
To purchase the median home at $281,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,306.
Monthly Payment
$2,306
Income Required
$98,845
Principal & Interest
$1,734/mo
Down Payment (5%)
$14,073
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 36025.
Estimated Monthly Payment
$1,892
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