78163 — Comal County, Texas Market Snapshot
Housing market data for zip code 78163 in Comal County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
109 sales in 2026 (year to date)
Median Sale Price
$465,000
Days to Sell
99
Homes Sold
109
Inventory
186
Sale-to-List
98.5%
New Listings
189
Price/SqFt
$196
Pending Sales
122
Conforming Loan Available
Most homebuyers in 78163 can comfortably use conventional financing. The median home price of $465,000 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 99 days on average, 78163 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 78163 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 78163 can comfortably use conventional financing. The median home price of $465,000 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 78163 are set at the county level.
2026 Loan Limits — Comal 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 78163
To purchase the median home at $465,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,713.
Monthly Payment
$3,713
Income Required
$159,115
Principal & Interest
$2,865/mo
Down Payment (5%)
$23,250
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 78163.
Estimated Monthly Payment
$3,028
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