36561 — Baldwin County, Alabama Market Snapshot
Housing market data for zip code 36561 in Baldwin County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
326 sales in 2026 (year to date)
Median Sale Price
$710,000
Days to Sell
96
Homes Sold
326
Inventory
585
Sale-to-List
95.8%
New Listings
419
Price/SqFt
$480
Pending Sales
378
Conforming Loan Available
The median home in 36561 at $710,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 96 days on average, 36561 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 36561 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 36561 at $710,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 36561 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 36561
To purchase the median home at $710,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,590.
Monthly Payment
$5,590
Income Required
$239,562
Principal & Interest
$4,375/mo
Down Payment (5%)
$35,500
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 36561.
Estimated Monthly Payment
$4,544
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