78264 — Bexar County, Texas Market Snapshot
Housing market data for zip code 78264 in Bexar County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
74 sales in 2026 (year to date)
Median Sale Price
$185,619
Days to Sell
115
Homes Sold
74
Inventory
112
Sale-to-List
97.4%
New Listings
106
Price/SqFt
$114
Pending Sales
101
Conforming Loan Available
Most homebuyers in 78264 can comfortably use conventional financing. The median home price of $185,619 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 115 days on average, 78264 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 78264 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78264 can comfortably use conventional financing. The median home price of $185,619 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 78264 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 78264
To purchase the median home at $185,619 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,572.
Monthly Payment
$1,572
Income Required
$67,378
Principal & Interest
$1,144/mo
Down Payment (5%)
$9,281
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 78264.
Estimated Monthly Payment
$1,299
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