78610 — Hays County, Texas Market Snapshot
Housing market data for zip code 78610 in Hays County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 9 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Hays County county page for broader data.
Market Sales Data
9 sales in 2026 (year to date)
Median Sale Price
$247,117
Days to Sell
155
Homes Sold
9
Inventory
5
Conforming Loan Available
Most homebuyers in 78610 can comfortably use conventional financing. The median home price of $247,117 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 155 days on average, 78610 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 78610 can comfortably use conventional financing. The median home price of $247,117 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 78610 are set at the county level.
2026 Loan Limits — Hays County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $571,550 |
| 2 Units | $1,066,250 | $731,700 |
| 3 Units | $1,288,800 | $884,450 |
| 4 Units | $1,601,750 | $1,099,150 |
Affordability Snapshot — Zip 78610
To purchase the median home at $247,117 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,043.
Monthly Payment
$2,043
Income Required
$87,572
Principal & Interest
$1,523/mo
Down Payment (5%)
$12,356
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 78610.
Estimated Monthly Payment
$1,679
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