78640 — Hays County, Texas Market Snapshot
Housing market data for zip code 78640 in Hays County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
394 sales in 2026 (year to date)
Median Sale Price
$316,830
Days to Sell
82
Homes Sold
394
Inventory
647
Sale-to-List
98.4%
New Listings
572
Price/SqFt
$165
Pending Sales
514
Conforming Loan Available
Most homebuyers in 78640 can comfortably use conventional financing. The median home price of $316,830 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 82 days on average, 78640 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 78640 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 78640 can comfortably use conventional financing. The median home price of $316,830 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 78640 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 78640
To purchase the median home at $316,830 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,577.
Monthly Payment
$2,577
Income Required
$110,462
Principal & Interest
$1,952/mo
Down Payment (5%)
$15,842
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 78640.
Estimated Monthly Payment
$2,111
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