79104 — Potter County, Texas Market Snapshot
Housing market data for zip code 79104 in Potter County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$147,500
Days to Sell
33
Homes Sold
10
Inventory
7
Sale-to-List
0.0%
New Listings
13
Price/SqFt
$125
Pending Sales
10
Conforming Loan Available
Most homebuyers in 79104 can comfortably use conventional financing. The median home price of $147,500 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
79104's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 79104 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 79104 can comfortably use conventional financing. The median home price of $147,500 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 79104 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 79104
To purchase the median home at $147,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,280.
Monthly Payment
$1,280
Income Required
$54,861
Principal & Interest
$909/mo
Down Payment (5%)
$7,375
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 79104.
Estimated Monthly Payment
$1,063
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