78676 — Comal County, Texas Market Snapshot
Housing market data for zip code 78676 in Comal County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$542,500
Days to Sell
74
Homes Sold
66
Inventory
191
Sale-to-List
96.6%
New Listings
144
Price/SqFt
$284
Pending Sales
79
Conforming Loan Available
Most homebuyers in 78676 can comfortably use conventional financing. The median home price of $542,500 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 74 days on average, 78676 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 78676 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78676 can comfortably use conventional financing. The median home price of $542,500 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 78676 are set at the county level.
2026 Loan Limits — Comal County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $557,750 |
| 2 Units | $1,066,250 | $714,000 |
| 3 Units | $1,288,800 | $863,100 |
| 4 Units | $1,601,750 | $1,072,600 |
Affordability Snapshot — Zip 78676
To purchase the median home at $542,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,306.
Monthly Payment
$4,306
Income Required
$184,563
Principal & Interest
$3,343/mo
Down Payment (5%)
$27,125
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 78676.
Estimated Monthly Payment
$3,507
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