78223 — Wilson County, Texas Market Snapshot
Housing market data for zip code 78223 in Wilson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
137 sales in 2026 (year to date)
Median Sale Price
$196,999
Days to Sell
78
Homes Sold
137
Inventory
224
Sale-to-List
96.0%
New Listings
226
Price/SqFt
$129
Pending Sales
184
Conforming Loan Available
Most homebuyers in 78223 can comfortably use conventional financing. The median home price of $196,999 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 78 days on average, 78223 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 78223 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78223 can comfortably use conventional financing. The median home price of $196,999 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 78223 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 78223
To purchase the median home at $196,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,659.
Monthly Payment
$1,659
Income Required
$71,115
Principal & Interest
$1,214/mo
Down Payment (5%)
$9,850
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 78223.
Estimated Monthly Payment
$1,369
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