76522 — Lampasas County, Texas Market Snapshot
Housing market data for zip code 76522 in Lampasas County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$380,990
Days to Sell
80
Homes Sold
12
Inventory
51
Sale-to-List
98.1%
New Listings
31
Price/SqFt
$153
Pending Sales
20
Conforming Loan Available
Most homebuyers in 76522 can comfortably use conventional financing. The median home price of $380,990 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 80 days on average, 76522 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
Homes are selling very close to asking price in 76522 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76522 can comfortably use conventional financing. The median home price of $380,990 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 76522 are set at the county level.
2026 Loan Limits — Lampasas 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 76522
To purchase the median home at $380,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,069.
Monthly Payment
$3,069
Income Required
$131,530
Principal & Interest
$2,348/mo
Down Payment (5%)
$19,050
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 76522.
Estimated Monthly Payment
$2,508
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