78245 — Bexar County, Texas Market Snapshot
Housing market data for zip code 78245 in Bexar County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
468 sales in 2026 (year to date)
Median Sale Price
$298,499
Days to Sell
88
Homes Sold
468
Inventory
766
Sale-to-List
98.6%
New Listings
757
Price/SqFt
$143
Pending Sales
600
Conforming Loan Available
Most homebuyers in 78245 can comfortably use conventional financing. The median home price of $298,499 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 88 days on average, 78245 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 78245 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 78245 can comfortably use conventional financing. The median home price of $298,499 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 78245 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 78245
To purchase the median home at $298,499 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,437.
Monthly Payment
$2,437
Income Required
$104,443
Principal & Interest
$1,839/mo
Down Payment (5%)
$14,925
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 78245.
Estimated Monthly Payment
$1,997
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