78648 — Caldwell County, Texas Market Snapshot
Housing market data for zip code 78648 in Caldwell 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
$211,695
Days to Sell
146
Homes Sold
14
Inventory
55
Sale-to-List
94.8%
New Listings
39
Price/SqFt
$150
Pending Sales
16
Conforming Loan Available
Most homebuyers in 78648 can comfortably use conventional financing. The median home price of $211,695 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 146 days on average, 78648 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 78648 sells for 5.2% below asking price (94.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78648 can comfortably use conventional financing. The median home price of $211,695 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 78648 are set at the county level.
2026 Loan Limits — Caldwell County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $571,550 |
| 2 Units | $1,066,250 | $731,700 |
| 3 Units | $1,288,800 | $884,450 |
| 4 Units | $1,601,750 | $1,099,150 |
Affordability Snapshot — Zip 78648
To purchase the median home at $211,695 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,772.
Monthly Payment
$1,772
Income Required
$75,940
Principal & Interest
$1,304/mo
Down Payment (5%)
$10,585
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 78648.
Estimated Monthly Payment
$1,460
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