36107 — Montgomery County, Alabama Market Snapshot
Housing market data for zip code 36107 in Montgomery County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$86,000
Days to Sell
38
Homes Sold
16
Inventory
46
Sale-to-List
98.5%
New Listings
36
Price/SqFt
$57
Pending Sales
24
Conforming Loan Available
Most homebuyers in 36107 can comfortably use conventional financing. The median home price of $86,000 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
36107's market is balanced with homes taking an average of 38 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 36107 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 36107 can comfortably use conventional financing. The median home price of $86,000 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 36107 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 36107
To purchase the median home at $86,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $809.
Monthly Payment
$809
Income Required
$34,667
Principal & Interest
$530/mo
Down Payment (5%)
$4,300
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 36107.
Estimated Monthly Payment
$682
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