79103 — Potter County, Texas Market Snapshot
Housing market data for zip code 79103 in Potter 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
$165,000
Days to Sell
92
Homes Sold
19
Inventory
10
Sale-to-List
0.0%
New Listings
18
Price/SqFt
$141
Pending Sales
25
Conforming Loan Available
Most homebuyers in 79103 can comfortably use conventional financing. The median home price of $165,000 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 92 days on average, 79103 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 79103 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 79103 can comfortably use conventional financing. The median home price of $165,000 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 79103 are set at the county level.
2026 Loan Limits — Potter 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 79103
To purchase the median home at $165,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,414.
Monthly Payment
$1,414
Income Required
$60,608
Principal & Interest
$1,017/mo
Down Payment (5%)
$8,250
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 79103.
Estimated Monthly Payment
$1,171
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