78222 — Bexar County, Texas Market Snapshot
Housing market data for zip code 78222 in Bexar County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
105 sales in 2026 (year to date)
Median Sale Price
$247,255
Days to Sell
85
Homes Sold
105
Inventory
170
Sale-to-List
97.8%
New Listings
161
Price/SqFt
$143
Pending Sales
157
Conforming Loan Available
Most homebuyers in 78222 can comfortably use conventional financing. The median home price of $247,255 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 85 days on average, 78222 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 78222 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78222 can comfortably use conventional financing. The median home price of $247,255 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 78222 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 78222
To purchase the median home at $247,255 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,044.
Monthly Payment
$2,044
Income Required
$87,617
Principal & Interest
$1,524/mo
Down Payment (5%)
$12,363
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 78222.
Estimated Monthly Payment
$1,680
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