78160 — Wilson County, Texas Market Snapshot
Housing market data for zip code 78160 in Wilson 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
$352,450
Days to Sell
108
Homes Sold
10
Inventory
14
Sale-to-List
104.1%
New Listings
10
Price/SqFt
$208
Pending Sales
9
Conforming Loan Available
Most homebuyers in 78160 can comfortably use conventional financing. The median home price of $352,450 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 108 days on average, 78160 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
Homes in 78160 are selling 4.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 78160 can comfortably use conventional financing. The median home price of $352,450 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 78160 are set at the county level.
2026 Loan Limits — Wilson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $557,750 |
| 2 Units | $1,066,250 | $714,000 |
| 3 Units | $1,288,800 | $863,100 |
| 4 Units | $1,601,750 | $1,072,600 |
Affordability Snapshot — Zip 78160
To purchase the median home at $352,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,850.
Monthly Payment
$2,850
Income Required
$122,158
Principal & Interest
$2,172/mo
Down Payment (5%)
$17,623
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 78160.
Estimated Monthly Payment
$2,331
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