78655 — Caldwell County, Texas Market Snapshot
Housing market data for zip code 78655 in Caldwell County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Caldwell County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$158,100
Days to Sell
119
Homes Sold
1
Inventory
16
Conforming Loan Available
Most homebuyers in 78655 can comfortably use conventional financing. The median home price of $158,100 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 119 days on average, 78655 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 78655 can comfortably use conventional financing. The median home price of $158,100 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 78655 are set at the county level.
2026 Loan Limits — Caldwell County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $571,550 |
| 2 Units | $1,066,250 | $731,700 |
| 3 Units | $1,288,800 | $884,450 |
| 4 Units | $1,601,750 | $1,099,150 |
Affordability Snapshot — Zip 78655
To purchase the median home at $158,100 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,361.
Monthly Payment
$1,361
Income Required
$58,342
Principal & Interest
$974/mo
Down Payment (5%)
$7,905
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 78655.
Estimated Monthly Payment
$1,128
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