36066 — Elmore County, Alabama Market Snapshot
Housing market data for zip code 36066 in Elmore County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
122 sales in 2026 (year to date)
Median Sale Price
$338,150
Days to Sell
60
Homes Sold
122
Inventory
86
Sale-to-List
99.2%
New Listings
141
Price/SqFt
$152
Pending Sales
124
Conforming Loan Available
Most homebuyers in 36066 can comfortably use conventional financing. The median home price of $338,150 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 60 days on average, 36066 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 36066 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36066 can comfortably use conventional financing. The median home price of $338,150 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 36066 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 36066
To purchase the median home at $338,150 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,741.
Monthly Payment
$2,741
Income Required
$117,463
Principal & Interest
$2,084/mo
Down Payment (5%)
$16,908
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 36066.
Estimated Monthly Payment
$2,243
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