36582 — Mobile County, Alabama Market Snapshot
Housing market data for zip code 36582 in Mobile County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
78 sales in 2026 (year to date)
Median Sale Price
$225,900
Days to Sell
51
Homes Sold
78
Inventory
82
Sale-to-List
97.7%
New Listings
106
Price/SqFt
$147
Pending Sales
104
Conforming Loan Available
Most homebuyers in 36582 can comfortably use conventional financing. The median home price of $225,900 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
36582's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 36582 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36582 can comfortably use conventional financing. The median home price of $225,900 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 36582 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 36582
To purchase the median home at $225,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,881.
Monthly Payment
$1,881
Income Required
$80,604
Principal & Interest
$1,392/mo
Down Payment (5%)
$11,295
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 36582.
Estimated Monthly Payment
$1,548
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