76940 — Tom Green County, Texas Market Snapshot
Housing market data for zip code 76940 in Tom Green County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Tom Green County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$312,500
Days to Sell
10
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 76940 can comfortably use conventional financing. The median home price of $312,500 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
76940 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 76940 can comfortably use conventional financing. The median home price of $312,500 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 76940 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 76940
To purchase the median home at $312,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,544.
Monthly Payment
$2,544
Income Required
$109,041
Principal & Interest
$1,926/mo
Down Payment (5%)
$15,625
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 76940.
Estimated Monthly Payment
$2,084
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