79102 — Potter County, Texas Market Snapshot
Housing market data for zip code 79102 in Potter County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$183,500
Days to Sell
50
Homes Sold
26
Inventory
28
Sale-to-List
0.0%
New Listings
27
Price/SqFt
$111
Pending Sales
30
Conforming Loan Available
Most homebuyers in 79102 can comfortably use conventional financing. The median home price of $183,500 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
79102's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 79102 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 79102 can comfortably use conventional financing. The median home price of $183,500 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 79102 are set at the county level.
2026 Loan Limits — Potter 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 79102
To purchase the median home at $183,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,556.
Monthly Payment
$1,556
Income Required
$66,682
Principal & Interest
$1,131/mo
Down Payment (5%)
$9,175
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 79102.
Estimated Monthly Payment
$1,286
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