36527 — Baldwin County, Alabama Market Snapshot
Housing market data for zip code 36527 in Baldwin County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
128 sales in 2026 (year to date)
Median Sale Price
$400,459
Days to Sell
71
Homes Sold
128
Inventory
133
Sale-to-List
98.7%
New Listings
142
Price/SqFt
$180
Pending Sales
144
Conforming Loan Available
Most homebuyers in 36527 can comfortably use conventional financing. The median home price of $400,459 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 71 days on average, 36527 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 36527 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36527 can comfortably use conventional financing. The median home price of $400,459 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 36527 are set at the county level.
2026 Loan Limits — Baldwin 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 36527
To purchase the median home at $400,459 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,218.
Monthly Payment
$3,218
Income Required
$137,922
Principal & Interest
$2,468/mo
Down Payment (5%)
$20,023
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 36527.
Estimated Monthly Payment
$2,628
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