78124 — Guadalupe County, Texas Market Snapshot
Housing market data for zip code 78124 in Guadalupe County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
73 sales in 2026 (year to date)
Median Sale Price
$289,999
Days to Sell
89
Homes Sold
73
Inventory
126
Sale-to-List
97.8%
New Listings
92
Price/SqFt
$143
Pending Sales
99
Conforming Loan Available
Most homebuyers in 78124 can comfortably use conventional financing. The median home price of $289,999 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 89 days on average, 78124 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 78124 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78124 can comfortably use conventional financing. The median home price of $289,999 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 78124 are set at the county level.
2026 Loan Limits — Guadalupe 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 78124
To purchase the median home at $289,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,372.
Monthly Payment
$2,372
Income Required
$101,652
Principal & Interest
$1,787/mo
Down Payment (5%)
$14,500
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 78124.
Estimated Monthly Payment
$1,945
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 78124. Tell us what you're looking for.