36564 — Baldwin County, Alabama Market Snapshot
Housing market data for zip code 36564 in Baldwin County, Alabama. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Baldwin County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$1,132,550
Days to Sell
34
Homes Sold
2
Inventory
1
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $1,132,550 median-priced home in 36564 is $1,075,923. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $243,173 above the limit. A base loan at or below the limit would require at least 26.5% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $1,132,550 median-priced home in 36564 is $1,075,923. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $243,173 above the limit. A base loan at or below the limit would require at least 26.5% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 36564 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 36564
To purchase the median home at $1,132,550 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $9,276.
Monthly Payment
$9,276
Income Required
$397,523
Principal & Interest
$6,978/mo
Property Tax
$1,699/mo
Home Insurance
$150/mo
Estimated PMI
$448/mo
Down Payment (5%)
$56,628
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 36564.
Estimated Monthly Payment
$7,159
Above the conforming limit. The estimated loan amount exceeds the $832,750 limit for 36564. This comparison does not determine loan eligibility or approval.
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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