36613 — Mobile County, Alabama Market Snapshot
Housing market data for zip code 36613 in Mobile County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$179,250
Days to Sell
52
Homes Sold
22
Inventory
18
Sale-to-List
94.9%
New Listings
25
Price/SqFt
$103
Pending Sales
31
Conforming Loan Available
Most homebuyers in 36613 can comfortably use conventional financing. The median home price of $179,250 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
36613's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 36613 sells for 5.1% below asking price (94.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36613 can comfortably use conventional financing. The median home price of $179,250 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 36613 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 36613
To purchase the median home at $179,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,523.
Monthly Payment
$1,523
Income Required
$65,287
Principal & Interest
$1,104/mo
Down Payment (5%)
$8,963
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 36613.
Estimated Monthly Payment
$1,259
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