79938 — El Paso County, Texas Market Snapshot
Housing market data for zip code 79938 in El Paso County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
468 sales in 2026 (year to date)
Median Sale Price
$279,950
Days to Sell
77
Homes Sold
468
Inventory
434
Sale-to-List
99.5%
New Listings
524
Price/SqFt
$164
Pending Sales
569
Conforming Loan Available
Most homebuyers in 79938 can comfortably use conventional financing. The median home price of $279,950 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 77 days on average, 79938 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 79938 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 79938 can comfortably use conventional financing. The median home price of $279,950 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 79938 are set at the county level.
2026 Loan Limits — El Paso 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 79938
To purchase the median home at $279,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,295.
Monthly Payment
$2,295
Income Required
$98,352
Principal & Interest
$1,725/mo
Down Payment (5%)
$13,998
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 79938.
Estimated Monthly Payment
$1,883
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