78737 — Hays County, Texas Market Snapshot
Housing market data for zip code 78737 in Hays County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
118 sales in 2026 (year to date)
Median Sale Price
$853,000
Days to Sell
49
Homes Sold
118
Inventory
122
Sale-to-List
97.7%
New Listings
167
Price/SqFt
$273
Pending Sales
123
Jumbo Loan Likely Needed
The median home in 78737 at $853,000 exceeds the 2026 conforming loan limit of $832,750 by $20,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
78737's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 78737 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 78737 at $853,000 exceeds the 2026 conforming loan limit of $832,750 by $20,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 78737 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 78737
To purchase the median home at $853,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,685.
Monthly Payment
$6,685
Income Required
$286,518
Principal & Interest
$5,256/mo
Down Payment (5%)
$42,650
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 78737.
Estimated Monthly Payment
$5,429
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