78645 — Travis County, Texas Market Snapshot
Housing market data for zip code 78645 in Travis County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
120 sales in 2026 (year to date)
Median Sale Price
$478,208
Days to Sell
63
Homes Sold
120
Inventory
260
Sale-to-List
97.9%
New Listings
222
Price/SqFt
$215
Pending Sales
133
Conforming Loan Available
Most homebuyers in 78645 can comfortably use conventional financing. The median home price of $478,208 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 63 days on average, 78645 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 78645 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78645 can comfortably use conventional financing. The median home price of $478,208 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 78645 are set at the county level.
2026 Loan Limits — Travis County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $571,550 |
| 2 Units | $1,066,250 | $731,700 |
| 3 Units | $1,288,800 | $884,450 |
| 4 Units | $1,601,750 | $1,099,150 |
Affordability Snapshot — Zip 78645
To purchase the median home at $478,208 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,814.
Monthly Payment
$3,814
Income Required
$163,452
Principal & Interest
$2,947/mo
Down Payment (5%)
$23,910
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 78645.
Estimated Monthly Payment
$3,110
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