ZIP Code 36109 — Montgomery, AL Home Prices (2026)
The typical home in ZIP 36109 (Montgomery, Alabama) is worth about $156,000 at roughly $104 per square foot — 42% more expensive than the Montgomery median and 47% more affordable than the typical U.S. home.
How 36109 compares
ZIP 36109 is one of the pricier ZIP codes in Montgomery: its typical home value of $156,000 ranks #4 of the 10 Montgomery ZIP codes we track (the citywide range runs from $47,000 in 36105 to $259,000 in 36117). Per square foot it costs about $104, against $98 for Montgomery as a whole, $153 for Alabama, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 36109 | $156,000 | $104 |
| Montgomery, AL | $109,500 | $98 |
| Alabama | $204,000 | $153 |
| United States | $294,000 | $195 |
Home value by size in 36109
Using this ZIP’s rate of about $104 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $104,000 |
| 1,500 sq ft | $156,000 |
| 2,000 sq ft | $208,000 |
| 2,500 sq ft | $260,000 |
| 3,000 sq ft | $312,000 |
Salary needed to buy a home in ZIP 36109
To buy the typical $156,000 home in ZIP 36109 with 20% down, you need a household income of roughly $42,000 a year (about $990 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $50,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $7,800 | $1,230/mo | $53,000/yr |
| 10% (+PMI) | $15,600 | $1,180/mo | $50,000/yr |
| 20% | $31,200 | $990/mo | $42,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 36109
At about $104 per square foot, here is roughly how much home different budgets get you in ZIP 36109:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1440 sq ft | around the typical home here |
| $200k | 1920 sq ft | around the typical home here |
| $250k | 2400 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2880 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 36109 home.
Estimate a specific home in 36109
The estimator below is pre-set to ZIP 36109 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Montgomery ZIP codes by home value
Where 36109 sits among Montgomery’s 10 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 36117 | $259,000 | $145 |
| 2 | 36106 | $197,000 | $109 |
| 3 | 36111 | $159,000 | $99 |
| 4 | 36109 (this page) | $156,000 | $104 |
| 5 | 36116 | $150,000 | $133 |
| 6 | 36107 | $69,000 | $76 |
| 7 | 36108 | $68,000 | $65 |
| 8 | 36104 | $58,000 | $96 |
| 9 | 36110 | $52,000 | $66 |
| 10 | 36105 | $47,000 | $56 |
ZIP 36109 home prices: frequently asked
What is the average home price in ZIP code 36109? +
What is the price per square foot in 36109? +
What salary do you need to buy a house in ZIP 36109? +
Is 36109 an expensive ZIP code? +
See the full Montgomery home values page, all Alabama cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.