76657 — McLennan County, Texas Market Snapshot
Housing market data for zip code 76657 in McLennan County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$410,000
Days to Sell
135
Homes Sold
49
Inventory
57
Sale-to-List
97.2%
New Listings
55
Price/SqFt
$184
Pending Sales
53
Conforming Loan Available
Most homebuyers in 76657 can comfortably use conventional financing. The median home price of $410,000 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 135 days on average, 76657 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 76657 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76657 can comfortably use conventional financing. The median home price of $410,000 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 76657 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 76657
To purchase the median home at $410,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,291.
Monthly Payment
$3,291
Income Required
$141,055
Principal & Interest
$2,526/mo
Down Payment (5%)
$20,500
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 76657.
Estimated Monthly Payment
$2,687
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