78101 — Wilson County, Texas Market Snapshot
Housing market data for zip code 78101 in Wilson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
77 sales in 2026 (year to date)
Median Sale Price
$332,990
Days to Sell
57
Homes Sold
77
Inventory
92
Sale-to-List
99.5%
New Listings
88
Price/SqFt
$166
Pending Sales
106
Conforming Loan Available
Most homebuyers in 78101 can comfortably use conventional financing. The median home price of $332,990 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
78101's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 78101 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 78101 can comfortably use conventional financing. The median home price of $332,990 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 78101 are set at the county level.
2026 Loan Limits — Wilson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $557,750 |
| 2 Units | $1,066,250 | $714,000 |
| 3 Units | $1,288,800 | $863,100 |
| 4 Units | $1,601,750 | $1,072,600 |
Affordability Snapshot — Zip 78101
To purchase the median home at $332,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,701.
Monthly Payment
$2,701
Income Required
$115,769
Principal & Interest
$2,052/mo
Down Payment (5%)
$16,650
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 78101.
Estimated Monthly Payment
$2,211
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