79007 — Hutchinson County, Texas Market Snapshot
Housing market data for zip code 79007 in Hutchinson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
45 sales in 2026 (year to date)
Median Sale Price
$185,000
Days to Sell
50
Homes Sold
45
Inventory
67
Sale-to-List
93.0%
New Listings
75
Price/SqFt
$112
Pending Sales
55
Conforming Loan Available
Most homebuyers in 79007 can comfortably use conventional financing. The median home price of $185,000 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
79007's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 79007 sells for 7.0% below asking price (93.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 79007 can comfortably use conventional financing. The median home price of $185,000 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 79007 are set at the county level.
2026 Loan Limits — Hutchinson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 79007
To purchase the median home at $185,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,567.
Monthly Payment
$1,567
Income Required
$67,175
Principal & Interest
$1,140/mo
Down Payment (5%)
$9,250
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 79007.
Estimated Monthly Payment
$1,295
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 79007. Tell us what you're looking for.