36527 — Baldwin County, Alabama Market Snapshot
Housing market data for zip code 36527 in Baldwin County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
128 sales in 2026 (year to date)
Median Sale Price
$400,459
Days to Sell
71
Homes Sold
128
Inventory
133
Sale-to-List
98.7%
New Listings
142
Price/SqFt
$180
Pending Sales
144
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $400,459 median-priced home in 36527 is $380,436. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 36527 is 71 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 36527 is 98.7%. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $400,459 median-priced home in 36527 is $380,436. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 36527 are set at the county level.
2026 Loan Limits — Baldwin 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 36527
To purchase the median home at $400,459 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $3,377.
Monthly Payment
$3,377
Income Required
$144,716
Principal & Interest
$2,468/mo
Property Tax
$601/mo
Home Insurance
$150/mo
Estimated PMI
$159/mo
Down Payment (5%)
$20,023
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 36527.
Estimated Monthly Payment
$2,628
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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