76905 — Tom Green County, Texas Market Snapshot
Housing market data for zip code 76905 in Tom Green County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$254,900
Days to Sell
42
Homes Sold
49
Inventory
39
Sale-to-List
0.0%
New Listings
45
Price/SqFt
$167
Pending Sales
55
Conforming Loan Available
Most homebuyers in 76905 can comfortably use conventional financing. The median home price of $254,900 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
76905'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 76905 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 76905 can comfortably use conventional financing. The median home price of $254,900 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 76905 are set at the county level.
2026 Loan Limits — Tom Green 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 76905
To purchase the median home at $254,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,103.
Monthly Payment
$2,103
Income Required
$90,127
Principal & Interest
$1,571/mo
Down Payment (5%)
$12,745
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 76905.
Estimated Monthly Payment
$1,728
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