78731 — Travis County, Texas Market Snapshot
Housing market data for zip code 78731 in Travis 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
$622,970
Days to Sell
117
Homes Sold
26
Inventory
43
Sale-to-List
96.9%
New Listings
31
Price/SqFt
$328
Pending Sales
32
Conforming Loan Available
Most homebuyers in 78731 can comfortably use conventional financing. The median home price of $622,970 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 117 days on average, 78731 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 78731 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78731 can comfortably use conventional financing. The median home price of $622,970 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 78731 are set at the county level.
2026 Loan Limits — Travis County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $571,550 |
| 2 Units | $1,066,250 | $731,700 |
| 3 Units | $1,288,800 | $884,450 |
| 4 Units | $1,601,750 | $1,099,150 |
Affordability Snapshot — Zip 78731
To purchase the median home at $622,970 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,923.
Monthly Payment
$4,923
Income Required
$210,985
Principal & Interest
$3,839/mo
Down Payment (5%)
$31,149
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 78731.
Estimated Monthly Payment
$4,005
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