79501 — Jones County, Texas Market Snapshot
Housing market data for zip code 79501 in Jones County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$164,000
Days to Sell
30
Homes Sold
14
Inventory
12
Sale-to-List
92.5%
New Listings
19
Price/SqFt
$106
Pending Sales
17
Conforming Loan Available
Most homebuyers in 79501 can comfortably use conventional financing. The median home price of $164,000 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
79501's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 79501 sells for 7.5% below asking price (92.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 79501 can comfortably use conventional financing. The median home price of $164,000 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 79501 are set at the county level.
2026 Loan Limits — Jones 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 79501
To purchase the median home at $164,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,407.
Monthly Payment
$1,407
Income Required
$60,279
Principal & Interest
$1,011/mo
Down Payment (5%)
$8,200
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 79501.
Estimated Monthly Payment
$1,165
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