78382 — Aransas County, Texas Market Snapshot
Housing market data for zip code 78382 in Aransas County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$219,000
Days to Sell
136
Homes Sold
19
Inventory
93
Sale-to-List
94.7%
New Listings
50
Price/SqFt
$315
Pending Sales
23
Conforming Loan Available
Most homebuyers in 78382 can comfortably use conventional financing. The median home price of $219,000 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 136 days on average, 78382 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 78382 sells for 5.3% below asking price (94.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78382 can comfortably use conventional financing. The median home price of $219,000 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 78382 are set at the county level.
2026 Loan Limits — Aransas 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 78382
To purchase the median home at $219,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,828.
Monthly Payment
$1,828
Income Required
$78,339
Principal & Interest
$1,349/mo
Down Payment (5%)
$10,950
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 78382.
Estimated Monthly Payment
$1,505
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