78575 — Cameron County, Texas Market Snapshot
Housing market data for zip code 78575 in Cameron County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$349,497
Days to Sell
137
Homes Sold
12
Inventory
19
Sale-to-List
0.0%
New Listings
19
Price/SqFt
$148
Pending Sales
17
Conforming Loan Available
Most homebuyers in 78575 can comfortably use conventional financing. The median home price of $349,497 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 137 days on average, 78575 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 78575 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78575 can comfortably use conventional financing. The median home price of $349,497 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 78575 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 78575
To purchase the median home at $349,497 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,828.
Monthly Payment
$2,828
Income Required
$121,189
Principal & Interest
$2,153/mo
Down Payment (5%)
$17,475
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 78575.
Estimated Monthly Payment
$2,313
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