78154 — Bexar County, Texas Market Snapshot
Housing market data for zip code 78154 in Bexar County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
180 sales in 2026 (year to date)
Median Sale Price
$343,500
Days to Sell
81
Homes Sold
180
Inventory
251
Sale-to-List
98.7%
New Listings
264
Price/SqFt
$153
Pending Sales
224
Conforming Loan Available
Most homebuyers in 78154 can comfortably use conventional financing. The median home price of $343,500 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 81 days on average, 78154 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
Homes are selling very close to asking price in 78154 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 78154 can comfortably use conventional financing. The median home price of $343,500 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 78154 are set at the county level.
2026 Loan Limits — Bexar County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $557,750 |
| 2 Units | $1,066,250 | $714,000 |
| 3 Units | $1,288,800 | $863,100 |
| 4 Units | $1,601,750 | $1,072,600 |
Affordability Snapshot — Zip 78154
To purchase the median home at $343,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,782.
Monthly Payment
$2,782
Income Required
$119,220
Principal & Interest
$2,117/mo
Down Payment (5%)
$17,175
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 78154.
Estimated Monthly Payment
$2,276
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