78041 — Webb County, Texas Market Snapshot
Housing market data for zip code 78041 in Webb County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$299,000
Days to Sell
85
Homes Sold
35
Inventory
77
Sale-to-List
81.3%
New Listings
70
Price/SqFt
$153
Pending Sales
34
Conforming Loan Available
Most homebuyers in 78041 can comfortably use conventional financing. The median home price of $299,000 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 85 days on average, 78041 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 78041 sells for 18.7% below asking price (81.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78041 can comfortably use conventional financing. The median home price of $299,000 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 78041 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 78041
To purchase the median home at $299,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,441.
Monthly Payment
$2,441
Income Required
$104,607
Principal & Interest
$1,842/mo
Down Payment (5%)
$14,950
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 78041.
Estimated Monthly Payment
$2,000
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