36609 — Mobile County, Alabama Market Snapshot
Housing market data for zip code 36609 in Mobile County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
77 sales in 2026 (year to date)
Median Sale Price
$232,000
Days to Sell
21
Homes Sold
77
Inventory
58
Sale-to-List
98.2%
New Listings
99
Price/SqFt
$134
Pending Sales
94
Conforming Loan Available
Most homebuyers in 36609 can comfortably use conventional financing. The median home price of $232,000 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
Homes in 36609 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 36609 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36609 can comfortably use conventional financing. The median home price of $232,000 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 36609 are set at the county level.
2026 Loan Limits — Mobile 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 36609
To purchase the median home at $232,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,928.
Monthly Payment
$1,928
Income Required
$82,608
Principal & Interest
$1,430/mo
Down Payment (5%)
$11,600
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 36609.
Estimated Monthly Payment
$1,586
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