36575 — Mobile County, Alabama Market Snapshot
Housing market data for zip code 36575 in Mobile County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$263,950
Days to Sell
50
Homes Sold
76
Inventory
57
Sale-to-List
99.2%
New Listings
86
Price/SqFt
$153
Pending Sales
97
Conforming Loan Available
Most homebuyers in 36575 can comfortably use conventional financing. The median home price of $263,950 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
36575's market is balanced with homes taking an average of 50 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 36575 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36575 can comfortably use conventional financing. The median home price of $263,950 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 36575 are set at the county level.
2026 Loan Limits — Mobile 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 36575
To purchase the median home at $263,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,172.
Monthly Payment
$2,172
Income Required
$93,099
Principal & Interest
$1,626/mo
Down Payment (5%)
$13,198
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 36575.
Estimated Monthly Payment
$1,784
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