36201 — Calhoun County, Alabama Market Snapshot
Housing market data for zip code 36201 in Calhoun County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$101,000
Days to Sell
99
Homes Sold
32
Inventory
39
Sale-to-List
93.5%
New Listings
33
Price/SqFt
$73
Pending Sales
37
Conforming Loan Available
Most homebuyers in 36201 can comfortably use conventional financing. The median home price of $101,000 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 99 days on average, 36201 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 36201 sells for 6.5% below asking price (93.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36201 can comfortably use conventional financing. The median home price of $101,000 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 36201 are set at the county level.
2026 Loan Limits — Calhoun 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 36201
To purchase the median home at $101,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $924.
Monthly Payment
$924
Income Required
$39,593
Principal & Interest
$622/mo
Down Payment (5%)
$5,050
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 36201.
Estimated Monthly Payment
$775
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