78209 — Bexar County, Texas Market Snapshot
Housing market data for zip code 78209 in Bexar County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$203,450
Days to Sell
132
Homes Sold
26
Inventory
100
Sale-to-List
93.6%
New Listings
52
Price/SqFt
$178
Pending Sales
24
Conforming Loan Available
Most homebuyers in 78209 can comfortably use conventional financing. The median home price of $203,450 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 132 days on average, 78209 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 78209 sells for 6.4% below asking price (93.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78209 can comfortably use conventional financing. The median home price of $203,450 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 78209 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 78209
To purchase the median home at $203,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,709.
Monthly Payment
$1,709
Income Required
$73,233
Principal & Interest
$1,254/mo
Down Payment (5%)
$10,173
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 78209.
Estimated Monthly Payment
$1,409
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