36879 — Tallapoosa County, Alabama Market Snapshot
Housing market data for zip code 36879 in Tallapoosa County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$424,993
Days to Sell
174
Homes Sold
19
Inventory
23
Sale-to-List
97.8%
New Listings
29
Price/SqFt
$190
Pending Sales
18
Conforming Loan Available
Most homebuyers in 36879 can comfortably use conventional financing. The median home price of $424,993 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 174 days on average, 36879 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
The average home in 36879 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36879 can comfortably use conventional financing. The median home price of $424,993 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 36879 are set at the county level.
2026 Loan Limits — Tallapoosa 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 36879
To purchase the median home at $424,993 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,406.
Monthly Payment
$3,406
Income Required
$145,978
Principal & Interest
$2,619/mo
Down Payment (5%)
$21,250
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 36879.
Estimated Monthly Payment
$2,780
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