36110 — Montgomery County, Alabama Market Snapshot
Housing market data for zip code 36110 in Montgomery County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$56,250
Days to Sell
87
Homes Sold
28
Inventory
39
Sale-to-List
89.3%
New Listings
36
Price/SqFt
$50
Pending Sales
28
Conforming Loan Available
Most homebuyers in 36110 can comfortably use conventional financing. The median home price of $56,250 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 87 days on average, 36110 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
The average home in 36110 sells for 10.7% below asking price (89.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36110 can comfortably use conventional financing. The median home price of $56,250 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 36110 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 36110
To purchase the median home at $56,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $581.
Monthly Payment
$581
Income Required
$24,898
Principal & Interest
$347/mo
Down Payment (5%)
$2,813
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 36110.
Estimated Monthly Payment
$498
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 36110. Tell us what you're looking for.