78739 — Hays County, Texas Market Snapshot
Housing market data for zip code 78739 in Hays County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
84 sales in 2026 (year to date)
Median Sale Price
$865,000
Days to Sell
33
Homes Sold
84
Inventory
80
Sale-to-List
98.9%
New Listings
132
Price/SqFt
$299
Pending Sales
93
Jumbo Loan Likely Needed
The median home in 78739 at $865,000 exceeds the 2026 conforming loan limit of $832,750 by $32,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
78739's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 78739 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 78739 at $865,000 exceeds the 2026 conforming loan limit of $832,750 by $32,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 78739 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 78739
To purchase the median home at $865,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,777.
Monthly Payment
$6,777
Income Required
$290,458
Principal & Interest
$5,330/mo
Down Payment (5%)
$43,250
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 78739.
Estimated Monthly Payment
$5,503
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 78739. Tell us what you're looking for.