78612 — Bastrop County, Texas Market Snapshot
Housing market data for zip code 78612 in Bastrop County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$379,995
Days to Sell
151
Homes Sold
44
Inventory
93
Sale-to-List
93.5%
New Listings
67
Price/SqFt
$189
Pending Sales
65
Conforming Loan Available
Most homebuyers in 78612 can comfortably use conventional financing. The median home price of $379,995 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 151 days on average, 78612 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 78612 sells for 6.5% below asking price (93.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78612 can comfortably use conventional financing. The median home price of $379,995 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 78612 are set at the county level.
2026 Loan Limits — Bastrop County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $571,550 |
| 2 Units | $1,066,250 | $731,700 |
| 3 Units | $1,288,800 | $884,450 |
| 4 Units | $1,601,750 | $1,099,150 |
Affordability Snapshot — Zip 78612
To purchase the median home at $379,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,061.
Monthly Payment
$3,061
Income Required
$131,203
Principal & Interest
$2,341/mo
Down Payment (5%)
$19,000
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 78612.
Estimated Monthly Payment
$2,502
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