79510 — Callahan County, Texas Market Snapshot
Housing market data for zip code 79510 in Callahan County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$221,000
Days to Sell
64
Homes Sold
23
Inventory
25
Sale-to-List
99.1%
New Listings
36
Price/SqFt
$148
Pending Sales
42
Conforming Loan Available
Most homebuyers in 79510 can comfortably use conventional financing. The median home price of $221,000 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 64 days on average, 79510 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
Homes are selling very close to asking price in 79510 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 79510 can comfortably use conventional financing. The median home price of $221,000 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 79510 are set at the county level.
2026 Loan Limits — Callahan 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 79510
To purchase the median home at $221,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,843.
Monthly Payment
$1,843
Income Required
$78,996
Principal & Interest
$1,362/mo
Down Payment (5%)
$11,050
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 79510.
Estimated Monthly Payment
$1,518
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