78261 — Bexar County, Texas Market Snapshot
Housing market data for zip code 78261 in Bexar County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
130 sales in 2026 (year to date)
Median Sale Price
$400,750
Days to Sell
47
Homes Sold
130
Inventory
170
Sale-to-List
98.3%
New Listings
194
Price/SqFt
$173
Pending Sales
166
Conforming Loan Available
Most homebuyers in 78261 can comfortably use conventional financing. The median home price of $400,750 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
78261's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 78261 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 78261 can comfortably use conventional financing. The median home price of $400,750 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 78261 are set at the county level.
2026 Loan Limits — Bexar 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 78261
To purchase the median home at $400,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,220.
Monthly Payment
$3,220
Income Required
$138,018
Principal & Interest
$2,469/mo
Down Payment (5%)
$20,038
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 78261.
Estimated Monthly Payment
$2,630
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