78332 — Jim Wells County, Texas Market Snapshot
Housing market data for zip code 78332 in Jim Wells County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$163,650
Days to Sell
122
Homes Sold
20
Inventory
55
Sale-to-List
93.7%
New Listings
37
Price/SqFt
$94
Pending Sales
31
Conforming Loan Available
Most homebuyers in 78332 can comfortably use conventional financing. The median home price of $163,650 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 122 days on average, 78332 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 78332 sells for 6.3% below asking price (93.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78332 can comfortably use conventional financing. The median home price of $163,650 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 78332 are set at the county level.
2026 Loan Limits — Jim Wells 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 78332
To purchase the median home at $163,650 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,404.
Monthly Payment
$1,404
Income Required
$60,164
Principal & Interest
$1,008/mo
Down Payment (5%)
$8,183
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 78332.
Estimated Monthly Payment
$1,163
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