78108 — Guadalupe County, Texas Market Snapshot
Housing market data for zip code 78108 in Guadalupe County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
244 sales in 2026 (year to date)
Median Sale Price
$341,500
Days to Sell
122
Homes Sold
244
Inventory
375
Sale-to-List
97.9%
New Listings
326
Price/SqFt
$155
Pending Sales
270
Conforming Loan Available
Most homebuyers in 78108 can comfortably use conventional financing. The median home price of $341,500 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 122 days on average, 78108 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
The average home in 78108 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78108 can comfortably use conventional financing. The median home price of $341,500 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 78108 are set at the county level.
2026 Loan Limits — Guadalupe 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 78108
To purchase the median home at $341,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,766.
Monthly Payment
$2,766
Income Required
$118,563
Principal & Interest
$2,104/mo
Down Payment (5%)
$17,075
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 78108.
Estimated Monthly Payment
$2,263
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