36830 — Macon County, Alabama Market Snapshot
Housing market data for zip code 36830 in Macon County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$347,375
Days to Sell
50
Homes Sold
34
Inventory
40
Sale-to-List
98.8%
New Listings
39
Price/SqFt
$230
Pending Sales
38
Conforming Loan Available
Most homebuyers in 36830 can comfortably use conventional financing. The median home price of $347,375 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
36830's market is balanced with homes taking an average of 50 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 36830 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36830 can comfortably use conventional financing. The median home price of $347,375 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 36830 are set at the county level.
2026 Loan Limits — Macon 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 36830
To purchase the median home at $347,375 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,811.
Monthly Payment
$2,811
Income Required
$120,492
Principal & Interest
$2,140/mo
Down Payment (5%)
$17,369
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 36830.
Estimated Monthly Payment
$2,300
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