79382 — Lubbock County, Texas Market Snapshot
Housing market data for zip code 79382 in Lubbock County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
107 sales in 2026 (year to date)
Median Sale Price
$263,000
Days to Sell
155
Homes Sold
107
Inventory
100
Sale-to-List
0.0%
New Listings
107
Price/SqFt
$155
Pending Sales
152
Conforming Loan Available
Most homebuyers in 79382 can comfortably use conventional financing. The median home price of $263,000 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
With homes sitting for 155 days on average, 79382 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 79382 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 79382 can comfortably use conventional financing. The median home price of $263,000 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 79382 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 79382
To purchase the median home at $263,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,165.
Monthly Payment
$2,165
Income Required
$92,787
Principal & Interest
$1,621/mo
Down Payment (5%)
$13,150
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 79382.
Estimated Monthly Payment
$1,778
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