78704 — Travis County, Texas Market Snapshot
Housing market data for zip code 78704 in Travis County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
98 sales in 2026 (year to date)
Median Sale Price
$1,275,000
Days to Sell
50
Homes Sold
98
Inventory
216
Sale-to-List
96.0%
New Listings
231
Price/SqFt
$608
Pending Sales
126
Jumbo Loan Likely Needed
The median home in 78704 at $1,275,000 exceeds the 2026 conforming loan limit of $832,750 by $442,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
78704's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 78704 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 78704 at $1,275,000 exceeds the 2026 conforming loan limit of $832,750 by $442,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 78704 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 78704
To purchase the median home at $1,275,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,919.
Monthly Payment
$9,919
Income Required
$425,085
Principal & Interest
$7,856/mo
Down Payment (5%)
$63,750
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 78704.
Estimated Monthly Payment
$8,041
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 78704.
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