76310 — Archer County, Texas Market Snapshot
Housing market data for zip code 76310 in Archer County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
88 sales in 2026 (year to date)
Median Sale Price
$296,000
Days to Sell
70
Homes Sold
88
Inventory
67
Sale-to-List
100.1%
New Listings
102
Price/SqFt
$165
Pending Sales
94
Conforming Loan Available
Most homebuyers in 76310 can comfortably use conventional financing. The median home price of $296,000 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 70 days on average, 76310 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 76310 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76310 can comfortably use conventional financing. The median home price of $296,000 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 76310 are set at the county level.
2026 Loan Limits — Archer 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 76310
To purchase the median home at $296,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,418.
Monthly Payment
$2,418
Income Required
$103,623
Principal & Interest
$1,824/mo
Down Payment (5%)
$14,800
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 76310.
Estimated Monthly Payment
$1,982
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