79109 — Potter County, Texas Market Snapshot
Housing market data for zip code 79109 in Potter County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
148 sales in 2026 (year to date)
Median Sale Price
$256,950
Days to Sell
55
Homes Sold
148
Inventory
133
Sale-to-List
0.0%
New Listings
164
Price/SqFt
$141
Pending Sales
173
Conforming Loan Available
Most homebuyers in 79109 can comfortably use conventional financing. The median home price of $256,950 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
79109's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 79109 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 79109 can comfortably use conventional financing. The median home price of $256,950 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 79109 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 79109
To purchase the median home at $256,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,119.
Monthly Payment
$2,119
Income Required
$90,800
Principal & Interest
$1,583/mo
Down Payment (5%)
$12,848
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 79109.
Estimated Monthly Payment
$1,740
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