78123 — Guadalupe County, Texas Market Snapshot
Housing market data for zip code 78123 in Guadalupe County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Guadalupe County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$476,000
Days to Sell
175
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 78123 can comfortably use conventional financing. The median home price of $476,000 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 175 days on average, 78123 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 78123 can comfortably use conventional financing. The median home price of $476,000 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 78123 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 78123
To purchase the median home at $476,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,797.
Monthly Payment
$3,797
Income Required
$162,727
Principal & Interest
$2,933/mo
Down Payment (5%)
$23,800
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 78123.
Estimated Monthly Payment
$3,096
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