78570 — Hidalgo County, Texas Market Snapshot
Housing market data for zip code 78570 in Hidalgo County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$222,500
Days to Sell
137
Homes Sold
28
Inventory
81
Sale-to-List
95.3%
New Listings
44
Price/SqFt
$149
Pending Sales
31
Conforming Loan Available
Most homebuyers in 78570 can comfortably use conventional financing. The median home price of $222,500 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 137 days on average, 78570 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 78570 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78570 can comfortably use conventional financing. The median home price of $222,500 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 78570 are set at the county level.
2026 Loan Limits — Hidalgo County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 78570
To purchase the median home at $222,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,855.
Monthly Payment
$1,855
Income Required
$79,488
Principal & Interest
$1,371/mo
Down Payment (5%)
$11,125
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 78570.
Estimated Monthly Payment
$1,527
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