36832 — Macon County, Alabama Market Snapshot
Housing market data for zip code 36832 in Macon County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
85 sales in 2026 (year to date)
Median Sale Price
$472,500
Days to Sell
73
Homes Sold
85
Inventory
103
Sale-to-List
98.9%
New Listings
148
Price/SqFt
$186
Pending Sales
93
Conforming Loan Available
Most homebuyers in 36832 can comfortably use conventional financing. The median home price of $472,500 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
With homes sitting for 73 days on average, 36832 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
Homes are selling very close to asking price in 36832 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36832 can comfortably use conventional financing. The median home price of $472,500 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 36832 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 36832
To purchase the median home at $472,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,770.
Monthly Payment
$3,770
Income Required
$161,577
Principal & Interest
$2,911/mo
Down Payment (5%)
$23,625
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 36832.
Estimated Monthly Payment
$3,074
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