78045 — Webb County, Texas Market Snapshot
Housing market data for zip code 78045 in Webb County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
91 sales in 2026 (year to date)
Median Sale Price
$309,000
Days to Sell
92
Homes Sold
91
Inventory
187
Sale-to-List
100.0%
New Listings
178
Price/SqFt
$169
Pending Sales
89
Conforming Loan Available
Most homebuyers in 78045 can comfortably use conventional financing. The median home price of $309,000 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 92 days on average, 78045 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 are selling very close to asking price in 78045 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 78045 can comfortably use conventional financing. The median home price of $309,000 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 78045 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 78045
To purchase the median home at $309,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,517.
Monthly Payment
$2,517
Income Required
$107,891
Principal & Interest
$1,904/mo
Down Payment (5%)
$15,450
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 78045.
Estimated Monthly Payment
$2,062
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