78155 — Guadalupe County, Texas Market Snapshot
Housing market data for zip code 78155 in Guadalupe County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
305 sales in 2026 (year to date)
Median Sale Price
$277,000
Days to Sell
98
Homes Sold
305
Inventory
518
Sale-to-List
96.9%
New Listings
442
Price/SqFt
$144
Pending Sales
372
Conforming Loan Available
Most homebuyers in 78155 can comfortably use conventional financing. The median home price of $277,000 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 98 days on average, 78155 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 78155 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78155 can comfortably use conventional financing. The median home price of $277,000 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 78155 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 78155
To purchase the median home at $277,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,272.
Monthly Payment
$2,272
Income Required
$97,384
Principal & Interest
$1,707/mo
Down Payment (5%)
$13,850
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 78155.
Estimated Monthly Payment
$1,864
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