76633 — McLennan County, Texas Market Snapshot
Housing market data for zip code 76633 in McLennan County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$332,000
Days to Sell
102
Homes Sold
19
Inventory
31
Sale-to-List
97.2%
New Listings
29
Price/SqFt
$181
Pending Sales
27
Conforming Loan Available
Most homebuyers in 76633 can comfortably use conventional financing. The median home price of $332,000 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 102 days on average, 76633 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 76633 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76633 can comfortably use conventional financing. The median home price of $332,000 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 76633 are set at the county level.
2026 Loan Limits — McLennan 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 76633
To purchase the median home at $332,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,694.
Monthly Payment
$2,694
Income Required
$115,443
Principal & Interest
$2,046/mo
Down Payment (5%)
$16,600
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 76633.
Estimated Monthly Payment
$2,205
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