78566 — Cameron County, Texas Market Snapshot
Housing market data for zip code 78566 in Cameron County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$273,999
Days to Sell
48
Homes Sold
44
Inventory
52
Sale-to-List
99.1%
New Listings
55
Price/SqFt
$169
Pending Sales
49
Conforming Loan Available
Most homebuyers in 78566 can comfortably use conventional financing. The median home price of $273,999 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
78566's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 78566 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 78566 can comfortably use conventional financing. The median home price of $273,999 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 78566 are set at the county level.
2026 Loan Limits — Cameron 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 78566
To purchase the median home at $273,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,249.
Monthly Payment
$2,249
Income Required
$96,398
Principal & Interest
$1,688/mo
Down Payment (5%)
$13,700
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 78566.
Estimated Monthly Payment
$1,846
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