79520 — Jones County, Texas Market Snapshot
Housing market data for zip code 79520 in Jones County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$89,950
Days to Sell
215
Homes Sold
10
Inventory
6
Sale-to-List
94.1%
New Listings
3
Price/SqFt
$67
Pending Sales
9
Conforming Loan Available
Most homebuyers in 79520 can comfortably use conventional financing. The median home price of $89,950 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 215 days on average, 79520 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 79520 sells for 5.9% below asking price (94.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 79520 can comfortably use conventional financing. The median home price of $89,950 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 79520 are set at the county level.
2026 Loan Limits — Jones 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 79520
To purchase the median home at $89,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $839.
Monthly Payment
$839
Income Required
$35,964
Principal & Interest
$554/mo
Down Payment (5%)
$4,498
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 79520.
Estimated Monthly Payment
$707
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