78225 — Bexar County, Texas Market Snapshot
Housing market data for zip code 78225 in Bexar County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$135,000
Days to Sell
77
Homes Sold
14
Inventory
37
Sale-to-List
87.9%
New Listings
32
Price/SqFt
$114
Pending Sales
20
Conforming Loan Available
Most homebuyers in 78225 can comfortably use conventional financing. The median home price of $135,000 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 77 days on average, 78225 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 78225 sells for 12.1% below asking price (87.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78225 can comfortably use conventional financing. The median home price of $135,000 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 78225 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 78225
To purchase the median home at $135,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,184.
Monthly Payment
$1,184
Income Required
$50,757
Principal & Interest
$832/mo
Down Payment (5%)
$6,750
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 78225.
Estimated Monthly Payment
$985
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