36027 — Russell County, Alabama Market Snapshot
Housing market data for zip code 36027 in Russell County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$295,500
Days to Sell
179
Homes Sold
27
Inventory
71
Sale-to-List
97.8%
New Listings
41
Price/SqFt
$123
Pending Sales
29
Conforming Loan Available
Most homebuyers in 36027 can comfortably use conventional financing. The median home price of $295,500 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 179 days on average, 36027 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 36027 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 36027 can comfortably use conventional financing. The median home price of $295,500 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 36027 are set at the county level.
2026 Loan Limits — Russell 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 36027
To purchase the median home at $295,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,414.
Monthly Payment
$2,414
Income Required
$103,458
Principal & Interest
$1,821/mo
Down Payment (5%)
$14,775
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 36027.
Estimated Monthly Payment
$1,979
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