78653 — Travis County, Texas Market Snapshot
Housing market data for zip code 78653 in Travis County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
166 sales in 2026 (year to date)
Median Sale Price
$355,260
Days to Sell
86
Homes Sold
166
Inventory
326
Sale-to-List
97.6%
New Listings
293
Price/SqFt
$172
Pending Sales
213
Conforming Loan Available
Most homebuyers in 78653 can comfortably use conventional financing. The median home price of $355,260 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 86 days on average, 78653 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 78653 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78653 can comfortably use conventional financing. The median home price of $355,260 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 78653 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 78653
To purchase the median home at $355,260 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,872.
Monthly Payment
$2,872
Income Required
$123,081
Principal & Interest
$2,189/mo
Down Payment (5%)
$17,763
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 78653.
Estimated Monthly Payment
$2,349
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