78666 — Guadalupe County, Texas Market Snapshot
Housing market data for zip code 78666 in Guadalupe County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
237 sales in 2026 (year to date)
Median Sale Price
$321,328
Days to Sell
80
Homes Sold
237
Inventory
416
Sale-to-List
97.2%
New Listings
344
Price/SqFt
$180
Pending Sales
284
Conforming Loan Available
Most homebuyers in 78666 can comfortably use conventional financing. The median home price of $321,328 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 80 days on average, 78666 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 78666 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78666 can comfortably use conventional financing. The median home price of $321,328 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 78666 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 78666
To purchase the median home at $321,328 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,612.
Monthly Payment
$2,612
Income Required
$111,939
Principal & Interest
$1,980/mo
Down Payment (5%)
$16,066
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 78666.
Estimated Monthly Payment
$2,139
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