78837 — Val Verde County, Texas Market Snapshot
Housing market data for zip code 78837 in Val Verde County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Val Verde County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$143,800
Days to Sell
184
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 78837 can comfortably use conventional financing. The median home price of $143,800 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 184 days on average, 78837 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 78837 can comfortably use conventional financing. The median home price of $143,800 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 78837 are set at the county level.
2026 Loan Limits — Val Verde 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 78837
To purchase the median home at $143,800 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,252.
Monthly Payment
$1,252
Income Required
$53,646
Principal & Interest
$886/mo
Down Payment (5%)
$7,190
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 78837.
Estimated Monthly Payment
$1,040
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 78837. Tell us what you're looking for.