36870 — Lee County, Alabama Market Snapshot
Housing market data for zip code 36870 in Lee County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
69 sales in 2026 (year to date)
Median Sale Price
$272,900
Days to Sell
32
Homes Sold
69
Inventory
47
Sale-to-List
99.4%
New Listings
93
Price/SqFt
$159
Pending Sales
84
Conforming Loan Available
Most homebuyers in 36870 can comfortably use conventional financing. The median home price of $272,900 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
36870's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 36870 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36870 can comfortably use conventional financing. The median home price of $272,900 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 36870 are set at the county level.
2026 Loan Limits — Lee 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 36870
To purchase the median home at $272,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,241.
Monthly Payment
$2,241
Income Required
$96,037
Principal & Interest
$1,682/mo
Down Payment (5%)
$13,645
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 36870.
Estimated Monthly Payment
$1,839
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