78224 — Bexar County, Texas Market Snapshot
Housing market data for zip code 78224 in Bexar County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
82 sales in 2026 (year to date)
Median Sale Price
$239,449
Days to Sell
100
Homes Sold
82
Inventory
107
Sale-to-List
97.5%
New Listings
98
Price/SqFt
$140
Pending Sales
117
Conforming Loan Available
Most homebuyers in 78224 can comfortably use conventional financing. The median home price of $239,449 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 100 days on average, 78224 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 78224 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78224 can comfortably use conventional financing. The median home price of $239,449 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 78224 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 78224
To purchase the median home at $239,449 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,985.
Monthly Payment
$1,985
Income Required
$85,054
Principal & Interest
$1,475/mo
Down Payment (5%)
$11,972
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 78224.
Estimated Monthly Payment
$1,632
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