36104 — Montgomery County, Alabama Market Snapshot
Housing market data for zip code 36104 in Montgomery County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$100,000
Days to Sell
42
Homes Sold
22
Inventory
26
Sale-to-List
86.2%
New Listings
25
Price/SqFt
$37
Pending Sales
24
Conforming Loan Available
Most homebuyers in 36104 can comfortably use conventional financing. The median home price of $100,000 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
36104's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 36104 sells for 13.8% below asking price (86.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36104 can comfortably use conventional financing. The median home price of $100,000 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 36104 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 36104
To purchase the median home at $100,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $916.
Monthly Payment
$916
Income Required
$39,264
Principal & Interest
$616/mo
Down Payment (5%)
$5,000
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 36104.
Estimated Monthly Payment
$769
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