78009 — Medina County, Texas Market Snapshot
Housing market data for zip code 78009 in Medina County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
72 sales in 2026 (year to date)
Median Sale Price
$544,500
Days to Sell
182
Homes Sold
72
Inventory
142
Sale-to-List
98.0%
New Listings
103
Price/SqFt
$195
Pending Sales
87
Conforming Loan Available
Most homebuyers in 78009 can comfortably use conventional financing. The median home price of $544,500 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 182 days on average, 78009 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 78009 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78009 can comfortably use conventional financing. The median home price of $544,500 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 78009 are set at the county level.
2026 Loan Limits — Medina County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $557,750 |
| 2 Units | $1,066,250 | $714,000 |
| 3 Units | $1,288,800 | $863,100 |
| 4 Units | $1,601,750 | $1,072,600 |
Affordability Snapshot — Zip 78009
To purchase the median home at $544,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,322.
Monthly Payment
$4,322
Income Required
$185,220
Principal & Interest
$3,355/mo
Down Payment (5%)
$27,225
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 78009.
Estimated Monthly Payment
$3,520
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 78009. Tell us what you're looking for.