78638 — Gonzales County, Texas Market Snapshot
Housing market data for zip code 78638 in Gonzales County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Gonzales County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$379,500
Days to Sell
45
Homes Sold
2
Inventory
5
Conforming Loan Available
Most homebuyers in 78638 can comfortably use conventional financing. The median home price of $379,500 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
78638's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 78638 can comfortably use conventional financing. The median home price of $379,500 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 78638 are set at the county level.
2026 Loan Limits — Gonzales 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 78638
To purchase the median home at $379,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,058.
Monthly Payment
$3,058
Income Required
$131,040
Principal & Interest
$2,338/mo
Down Payment (5%)
$18,975
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 78638.
Estimated Monthly Payment
$2,499
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