78652 — Hays County, Texas Market Snapshot
Housing market data for zip code 78652 in Hays County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$457,500
Days to Sell
75
Homes Sold
30
Inventory
32
Sale-to-List
99.1%
New Listings
36
Price/SqFt
$213
Pending Sales
33
Conforming Loan Available
Most homebuyers in 78652 can comfortably use conventional financing. The median home price of $457,500 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
With homes sitting for 75 days on average, 78652 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
Homes are selling very close to asking price in 78652 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 78652 can comfortably use conventional financing. The median home price of $457,500 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 78652 are set at the county level.
2026 Loan Limits — Hays County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $571,550 |
| 2 Units | $1,066,250 | $731,700 |
| 3 Units | $1,288,800 | $884,450 |
| 4 Units | $1,601,750 | $1,099,150 |
Affordability Snapshot — Zip 78652
To purchase the median home at $457,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,655.
Monthly Payment
$3,655
Income Required
$156,652
Principal & Interest
$2,819/mo
Down Payment (5%)
$22,875
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 78652.
Estimated Monthly Payment
$2,981
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