76638 — McLennan County, Texas Market Snapshot
Housing market data for zip code 76638 in McLennan County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the McLennan County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$730,000
Days to Sell
148
Homes Sold
5
Inventory
15
Conforming Loan Available
The median home in 76638 at $730,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 148 days on average, 76638 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 76638 at $730,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 76638 are set at the county level.
2026 Loan Limits — McLennan 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 76638
To purchase the median home at $730,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,743.
Monthly Payment
$5,743
Income Required
$246,130
Principal & Interest
$4,498/mo
Down Payment (5%)
$36,500
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 76638.
Estimated Monthly Payment
$4,668
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