78526 — Cameron County, Texas Market Snapshot
Housing market data for zip code 78526 in Cameron County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
83 sales in 2026 (year to date)
Median Sale Price
$335,670
Days to Sell
73
Homes Sold
83
Inventory
123
Sale-to-List
98.7%
New Listings
122
Price/SqFt
$171
Pending Sales
87
Conforming Loan Available
Most homebuyers in 78526 can comfortably use conventional financing. The median home price of $335,670 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 73 days on average, 78526 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 78526 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 78526 can comfortably use conventional financing. The median home price of $335,670 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 78526 are set at the county level.
2026 Loan Limits — Cameron 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 78526
To purchase the median home at $335,670 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,722.
Monthly Payment
$2,722
Income Required
$116,648
Principal & Interest
$2,068/mo
Down Payment (5%)
$16,784
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 78526.
Estimated Monthly Payment
$2,227
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 78526. Tell us what you're looking for.