78597 — Cameron County, Texas Market Snapshot
Housing market data for zip code 78597 in Cameron County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$422,000
Days to Sell
203
Homes Sold
46
Inventory
225
Sale-to-List
94.6%
New Listings
118
Price/SqFt
$403
Pending Sales
70
Conforming Loan Available
Most homebuyers in 78597 can comfortably use conventional financing. The median home price of $422,000 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 203 days on average, 78597 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 78597 sells for 5.4% below asking price (94.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78597 can comfortably use conventional financing. The median home price of $422,000 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 78597 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 78597
To purchase the median home at $422,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,383.
Monthly Payment
$3,383
Income Required
$144,996
Principal & Interest
$2,600/mo
Down Payment (5%)
$21,100
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 78597.
Estimated Monthly Payment
$2,762
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