79366 — Lubbock County, Texas Market Snapshot
Housing market data for zip code 79366 in Lubbock County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$367,500
Days to Sell
64
Homes Sold
12
Inventory
15
Sale-to-List
0.0%
New Listings
11
Price/SqFt
$166
Pending Sales
10
Conforming Loan Available
Most homebuyers in 79366 can comfortably use conventional financing. The median home price of $367,500 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 64 days on average, 79366 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
The average home in 79366 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 79366 can comfortably use conventional financing. The median home price of $367,500 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 79366 are set at the county level.
2026 Loan Limits — Lubbock 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 79366
To purchase the median home at $367,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,966.
Monthly Payment
$2,966
Income Required
$127,100
Principal & Interest
$2,264/mo
Down Payment (5%)
$18,375
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 79366.
Estimated Monthly Payment
$2,424
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 79366. Tell us what you're looking for.