ZIP Code 36869 — Phenix City, AL Home Prices (2026)
The typical home in ZIP 36869 (Phenix City, Alabama) is worth about $174,000 at roughly $115 per square foot — 10% more affordable than the Phenix City median and 41% more affordable than the typical U.S. home.
How 36869 compares
ZIP 36869 is one of the more affordable ZIP codes in Phenix City: its typical home value of $174,000 ranks #3 of the 3 Phenix City ZIP codes we track (the citywide range runs from $174,000 in 36869 to $246,000 in 36870). Per square foot it costs about $115, against $142 for Phenix City as a whole, $153 for Alabama, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 36869 | $174,000 | $115 |
| Phenix City, AL | $194,000 | $142 |
| Alabama | $204,000 | $153 |
| United States | $294,000 | $195 |
Home value by size in 36869
Using this ZIP’s rate of about $115 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 | $115,000 |
| 1,500 sq ft | $172,500 |
| 2,000 sq ft | $230,000 |
| 2,500 sq ft | $287,500 |
| 3,000 sq ft | $345,000 |
Salary needed to buy a home in ZIP 36869
To buy the typical $174,000 home in ZIP 36869 with 20% down, you need a household income of roughly $47,000 a year (about $1,100 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $56,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,700 | $1,370/mo | $59,000/yr |
| 10% (+PMI) | $17,400 | $1,310/mo | $56,000/yr |
| 20% | $34,800 | $1,100/mo | $47,000/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 36869
At about $115 per square foot, here is roughly how much home different budgets get you in ZIP 36869:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1300 sq ft | around the typical home here |
| $200k | 1740 sq ft | around the typical home here |
| $250k | 2170 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2610 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3480 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 36869 home.
Estimate a specific home in 36869
The estimator below is pre-set to ZIP 36869 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Phenix City ZIP codes by home value
Where 36869 sits among Phenix City’s 3 ZIP codes:
ZIP 36869 home prices: frequently asked
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See the full Phenix City 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.