36260 — Talladega County, Alabama Market Snapshot
Housing market data for zip code 36260 in Talladega 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
$231,933
Days to Sell
114
Homes Sold
14
Inventory
12
Sale-to-List
99.9%
New Listings
7
Price/SqFt
$137
Pending Sales
26
Conforming Loan Available
Most homebuyers in 36260 can comfortably use conventional financing. The median home price of $231,933 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 114 days on average, 36260 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
Homes are selling very close to asking price in 36260 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36260 can comfortably use conventional financing. The median home price of $231,933 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 36260 are set at the county level.
2026 Loan Limits — Talladega 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 36260
To purchase the median home at $231,933 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,927.
Monthly Payment
$1,927
Income Required
$82,586
Principal & Interest
$1,429/mo
Down Payment (5%)
$11,597
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 36260.
Estimated Monthly Payment
$1,585
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