78112 — Wilson County, Texas Market Snapshot
Housing market data for zip code 78112 in Wilson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
81 sales in 2026 (year to date)
Median Sale Price
$167,999
Days to Sell
125
Homes Sold
81
Inventory
190
Sale-to-List
97.2%
New Listings
162
Price/SqFt
$113
Pending Sales
135
Conforming Loan Available
Most homebuyers in 78112 can comfortably use conventional financing. The median home price of $167,999 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 125 days on average, 78112 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 78112 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78112 can comfortably use conventional financing. The median home price of $167,999 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 78112 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 78112
To purchase the median home at $167,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,437.
Monthly Payment
$1,437
Income Required
$61,593
Principal & Interest
$1,035/mo
Down Payment (5%)
$8,400
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 78112.
Estimated Monthly Payment
$1,190
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