79414 — Lubbock County, Texas Market Snapshot
Housing market data for zip code 79414 in Lubbock County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$160,950
Days to Sell
22
Homes Sold
46
Inventory
43
Sale-to-List
0.0%
New Listings
57
Price/SqFt
$115
Pending Sales
55
Conforming Loan Available
Most homebuyers in 79414 can comfortably use conventional financing. The median home price of $160,950 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
Homes in 79414 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 79414 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 79414 can comfortably use conventional financing. The median home price of $160,950 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 79414 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 79414
To purchase the median home at $160,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,383.
Monthly Payment
$1,383
Income Required
$59,278
Principal & Interest
$992/mo
Down Payment (5%)
$8,048
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 79414.
Estimated Monthly Payment
$1,146
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 79414. Tell us what you're looking for.