36092 — Elmore County, Alabama Market Snapshot
Housing market data for zip code 36092 in Elmore County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$266,650
Days to Sell
55
Homes Sold
66
Inventory
73
Sale-to-List
97.1%
New Listings
93
Price/SqFt
$153
Pending Sales
82
Conforming Loan Available
Most homebuyers in 36092 can comfortably use conventional financing. The median home price of $266,650 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
36092's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 36092 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36092 can comfortably use conventional financing. The median home price of $266,650 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 36092 are set at the county level.
2026 Loan Limits — Elmore 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 36092
To purchase the median home at $266,650 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,193.
Monthly Payment
$2,193
Income Required
$93,985
Principal & Interest
$1,643/mo
Down Payment (5%)
$13,333
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 36092.
Estimated Monthly Payment
$1,800
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