78642 — Burnet County, Texas Market Snapshot
Housing market data for zip code 78642 in Burnet County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
290 sales in 2026 (year to date)
Median Sale Price
$499,945
Days to Sell
112
Homes Sold
290
Inventory
475
Sale-to-List
97.6%
New Listings
410
Price/SqFt
$194
Pending Sales
368
Conforming Loan Available
Most homebuyers in 78642 can comfortably use conventional financing. The median home price of $499,945 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 112 days on average, 78642 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 78642 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78642 can comfortably use conventional financing. The median home price of $499,945 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 78642 are set at the county level.
2026 Loan Limits — Burnet County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 78642
To purchase the median home at $499,945 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,980.
Monthly Payment
$3,980
Income Required
$170,589
Principal & Interest
$3,081/mo
Down Payment (5%)
$24,997
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 78642.
Estimated Monthly Payment
$3,244
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