79821 — El Paso County, Texas Market Snapshot
Housing market data for zip code 79821 in El Paso County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$285,950
Days to Sell
40
Homes Sold
23
Inventory
7
Sale-to-List
99.2%
New Listings
15
Price/SqFt
$178
Pending Sales
25
Conforming Loan Available
Most homebuyers in 79821 can comfortably use conventional financing. The median home price of $285,950 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
79821's market is balanced with homes taking an average of 40 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 79821 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 79821 can comfortably use conventional financing. The median home price of $285,950 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 79821 are set at the county level.
2026 Loan Limits — El Paso 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 79821
To purchase the median home at $285,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,341.
Monthly Payment
$2,341
Income Required
$100,322
Principal & Interest
$1,762/mo
Down Payment (5%)
$14,298
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 79821.
Estimated Monthly Payment
$1,920
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