76643 — McLennan County, Texas Market Snapshot
Housing market data for zip code 76643 in McLennan County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$352,000
Days to Sell
42
Homes Sold
62
Inventory
55
Sale-to-List
97.9%
New Listings
77
Price/SqFt
$179
Pending Sales
64
Conforming Loan Available
Most homebuyers in 76643 can comfortably use conventional financing. The median home price of $352,000 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
76643's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 76643 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76643 can comfortably use conventional financing. The median home price of $352,000 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 76643 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 76643
To purchase the median home at $352,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,847.
Monthly Payment
$2,847
Income Required
$122,010
Principal & Interest
$2,169/mo
Down Payment (5%)
$17,600
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 76643.
Estimated Monthly Payment
$2,328
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