36312 — Houston County, Alabama Market Snapshot
Housing market data for zip code 36312 in Houston 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
$241,250
Days to Sell
62
Homes Sold
18
Inventory
23
Sale-to-List
94.3%
New Listings
21
Price/SqFt
$131
Pending Sales
28
Conforming Loan Available
Most homebuyers in 36312 can comfortably use conventional financing. The median home price of $241,250 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 62 days on average, 36312 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 36312 sells for 5.7% below asking price (94.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36312 can comfortably use conventional financing. The median home price of $241,250 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 36312 are set at the county level.
2026 Loan Limits — Houston 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 36312
To purchase the median home at $241,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,998.
Monthly Payment
$1,998
Income Required
$85,645
Principal & Interest
$1,487/mo
Down Payment (5%)
$12,063
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 36312.
Estimated Monthly Payment
$1,643
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