36092 — Elmore County, Alabama Market Snapshot
Housing market data for zip code 36092 in Elmore County, Alabama. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$266,650
Days to Sell
55
Homes Sold
66
Inventory
73
Sale-to-List
97.1%
New Listings
93
Price/SqFt
$153
Pending Sales
82
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $266,650 median-priced home in 36092 is $253,318. 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 36092 is 55 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 36092 is 97.1%, or 2.9% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $266,650 median-priced home in 36092 is $253,318. 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 36092 are set at the county level.
2026 Loan Limits — Elmore 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 36092
To purchase the median home at $266,650 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $2,299.
Monthly Payment
$2,299
Income Required
$98,509
Principal & Interest
$1,643/mo
Property Tax
$400/mo
Home Insurance
$150/mo
Estimated PMI
$106/mo
Down Payment (5%)
$13,333
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 36092.
Estimated Monthly Payment
$1,800
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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