36340 — Geneva County, Alabama Market Snapshot
Housing market data for zip code 36340 in Geneva County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$222,000
Days to Sell
14
Homes Sold
12
Inventory
10
Sale-to-List
98.9%
New Listings
14
Price/SqFt
$111
Pending Sales
16
Conforming Loan Available
Most homebuyers in 36340 can comfortably use conventional financing. The median home price of $222,000 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
Homes in 36340 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 36340 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36340 can comfortably use conventional financing. The median home price of $222,000 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 36340 are set at the county level.
2026 Loan Limits — Geneva 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 36340
To purchase the median home at $222,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,851.
Monthly Payment
$1,851
Income Required
$79,324
Principal & Interest
$1,368/mo
Down Payment (5%)
$11,100
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 36340.
Estimated Monthly Payment
$1,524
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