76712 — McLennan County, Texas Market Snapshot
Housing market data for zip code 76712 in McLennan County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
98 sales in 2026 (year to date)
Median Sale Price
$357,500
Days to Sell
44
Homes Sold
98
Inventory
126
Sale-to-List
98.4%
New Listings
154
Price/SqFt
$178
Pending Sales
137
Conforming Loan Available
Most homebuyers in 76712 can comfortably use conventional financing. The median home price of $357,500 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
76712's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 76712 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76712 can comfortably use conventional financing. The median home price of $357,500 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 76712 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 76712
To purchase the median home at $357,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,889.
Monthly Payment
$2,889
Income Required
$123,816
Principal & Interest
$2,203/mo
Down Payment (5%)
$17,875
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 76712.
Estimated Monthly Payment
$2,362
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