36785 — Lowndes County, Alabama Market Snapshot
Housing market data for zip code 36785 in Lowndes County, Alabama. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Lowndes County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$22,500
Days to Sell
57
Homes Sold
1
Inventory
2
Conforming Loan Available
Most homebuyers in 36785 can comfortably use conventional financing. The median home price of $22,500 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
36785's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 36785 can comfortably use conventional financing. The median home price of $22,500 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 36785 are set at the county level.
2026 Loan Limits — Lowndes 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 36785
To purchase the median home at $22,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $322.
Monthly Payment
$322
Income Required
$13,817
Principal & Interest
$139/mo
Down Payment (5%)
$1,125
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 36785.
Estimated Monthly Payment
$289
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