36610 — Mobile County, Alabama Market Snapshot
Housing market data for zip code 36610 in Mobile County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$29,750
Days to Sell
20
Homes Sold
14
Inventory
21
Sale-to-List
88.6%
New Listings
17
Price/SqFt
$22
Pending Sales
17
Conforming Loan Available
Most homebuyers in 36610 can comfortably use conventional financing. The median home price of $29,750 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
Homes in 36610 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 36610 sells for 11.4% below asking price (88.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36610 can comfortably use conventional financing. The median home price of $29,750 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 36610 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 36610
To purchase the median home at $29,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $378.
Monthly Payment
$378
Income Required
$16,197
Principal & Interest
$183/mo
Down Payment (5%)
$1,488
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 36610.
Estimated Monthly Payment
$334
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