78573 — Hidalgo County, Texas Market Snapshot
Housing market data for zip code 78573 in Hidalgo County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
59 sales in 2026 (year to date)
Median Sale Price
$268,021
Days to Sell
109
Homes Sold
59
Inventory
192
Sale-to-List
97.1%
New Listings
128
Price/SqFt
$170
Pending Sales
75
Conforming Loan Available
Most homebuyers in 78573 can comfortably use conventional financing. The median home price of $268,021 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 109 days on average, 78573 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 78573 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78573 can comfortably use conventional financing. The median home price of $268,021 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 78573 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 78573
To purchase the median home at $268,021 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,203.
Monthly Payment
$2,203
Income Required
$94,435
Principal & Interest
$1,651/mo
Down Payment (5%)
$13,401
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 78573.
Estimated Monthly Payment
$1,809
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 78573. Tell us what you're looking for.