75789 — Cherokee County, Texas Market Snapshot
Housing market data for zip code 75789 in Cherokee County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$255,500
Days to Sell
87
Homes Sold
15
Inventory
44
Sale-to-List
97.0%
New Listings
31
Price/SqFt
$153
Pending Sales
26
Conforming Loan Available
Most homebuyers in 75789 can comfortably use conventional financing. The median home price of $255,500 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 87 days on average, 75789 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 75789 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75789 can comfortably use conventional financing. The median home price of $255,500 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 75789 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 75789
To purchase the median home at $255,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,108.
Monthly Payment
$2,108
Income Required
$90,324
Principal & Interest
$1,574/mo
Down Payment (5%)
$12,775
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 75789.
Estimated Monthly Payment
$1,731
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