36064 — Montgomery County, Alabama Market Snapshot
Housing market data for zip code 36064 in Montgomery County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
96 sales in 2026 (year to date)
Median Sale Price
$444,443
Days to Sell
109
Homes Sold
96
Inventory
144
Sale-to-List
98.7%
New Listings
141
Price/SqFt
$178
Pending Sales
120
Conforming Loan Available
Most homebuyers in 36064 can comfortably use conventional financing. The median home price of $444,443 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 109 days on average, 36064 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 36064 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36064 can comfortably use conventional financing. The median home price of $444,443 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 36064 are set at the county level.
2026 Loan Limits — Montgomery 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 36064
To purchase the median home at $444,443 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,555.
Monthly Payment
$3,555
Income Required
$152,365
Principal & Interest
$2,739/mo
Down Payment (5%)
$22,222
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 36064.
Estimated Monthly Payment
$2,901
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