36345 — Henry County, Alabama Market Snapshot
Housing market data for zip code 36345 in Henry County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$309,900
Days to Sell
78
Homes Sold
28
Inventory
52
Sale-to-List
97.3%
New Listings
46
Price/SqFt
$155
Pending Sales
38
Conforming Loan Available
Most homebuyers in 36345 can comfortably use conventional financing. The median home price of $309,900 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 78 days on average, 36345 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 36345 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36345 can comfortably use conventional financing. The median home price of $309,900 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 36345 are set at the county level.
2026 Loan Limits — Henry 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 36345
To purchase the median home at $309,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,524.
Monthly Payment
$2,524
Income Required
$108,187
Principal & Interest
$1,910/mo
Down Payment (5%)
$15,495
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 36345.
Estimated Monthly Payment
$2,068
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