78040 — Webb County, Texas Market Snapshot
Housing market data for zip code 78040 in Webb County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$185,000
Days to Sell
81
Homes Sold
15
Inventory
41
Sale-to-List
102.9%
New Listings
28
Price/SqFt
$101
Pending Sales
14
Conforming Loan Available
Most homebuyers in 78040 can comfortably use conventional financing. The median home price of $185,000 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 81 days on average, 78040 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
Homes in 78040 are selling 2.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 78040 can comfortably use conventional financing. The median home price of $185,000 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 78040 are set at the county level.
2026 Loan Limits — Webb 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 78040
To purchase the median home at $185,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,567.
Monthly Payment
$1,567
Income Required
$67,175
Principal & Interest
$1,140/mo
Down Payment (5%)
$9,250
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 78040.
Estimated Monthly Payment
$1,295
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