36863 — Chambers County, Alabama Market Snapshot
Housing market data for zip code 36863 in Chambers 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
$227,500
Days to Sell
85
Homes Sold
14
Inventory
29
Sale-to-List
93.6%
New Listings
37
Price/SqFt
$142
Pending Sales
24
Conforming Loan Available
Most homebuyers in 36863 can comfortably use conventional financing. The median home price of $227,500 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 85 days on average, 36863 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 36863 sells for 6.4% below asking price (93.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36863 can comfortably use conventional financing. The median home price of $227,500 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 36863 are set at the county level.
2026 Loan Limits — Chambers 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 36863
To purchase the median home at $227,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,893.
Monthly Payment
$1,893
Income Required
$81,130
Principal & Interest
$1,402/mo
Down Payment (5%)
$11,375
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 36863.
Estimated Monthly Payment
$1,558
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 36863. Tell us what you're looking for.