78008 — Live Oak County, Texas Market Snapshot
Housing market data for zip code 78008 in Live Oak County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Live Oak County county page for broader data.
Market Sales Data
1 sales in 2024
Median Sale Price
$1,885,179
Days to Sell
312
Homes Sold
1
Inventory
N/A
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $1,885,179 median-priced home in 78008 is $1,790,920. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $958,170 above the limit. A base loan at or below the limit would require at least 55.9% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $1,885,179 median-priced home in 78008 is $1,790,920. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $958,170 above the limit. A base loan at or below the limit would require at least 55.9% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 78008 are set at the county level.
2026 Loan Limits — Live Oak 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 78008
To purchase the median home at $1,885,179 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $15,340.
Monthly Payment
$15,340
Income Required
$657,422
Principal & Interest
$11,616/mo
Property Tax
$2,828/mo
Home Insurance
$150/mo
Estimated PMI
$746/mo
Down Payment (5%)
$94,259
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 78008.
Estimated Monthly Payment
$11,817
Above the conforming limit. The estimated loan amount exceeds the $832,750 limit for 78008. This comparison does not determine loan eligibility or approval.
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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