75785 — Cherokee County, Texas Market Snapshot
Housing market data for zip code 75785 in Cherokee County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$175,750
Days to Sell
144
Homes Sold
18
Inventory
36
Sale-to-List
87.1%
New Listings
31
Price/SqFt
$110
Pending Sales
22
Conforming Loan Available
Most homebuyers in 75785 can comfortably use conventional financing. The median home price of $175,750 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 144 days on average, 75785 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 75785 sells for 12.9% below asking price (87.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75785 can comfortably use conventional financing. The median home price of $175,750 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 75785 are set at the county level.
2026 Loan Limits — Cherokee 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 75785
To purchase the median home at $175,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,497.
Monthly Payment
$1,497
Income Required
$64,138
Principal & Interest
$1,083/mo
Down Payment (5%)
$8,788
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 75785.
Estimated Monthly Payment
$1,238
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