75976 — Cherokee County, Texas Market Snapshot
Housing market data for zip code 75976 in Cherokee 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 Cherokee County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$120,400
Days to Sell
138
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 75976 can comfortably use conventional financing. The median home price of $120,400 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 138 days on average, 75976 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 75976 can comfortably use conventional financing. The median home price of $120,400 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 75976 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 75976
To purchase the median home at $120,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,072.
Monthly Payment
$1,072
Income Required
$45,963
Principal & Interest
$742/mo
Down Payment (5%)
$6,020
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 75976.
Estimated Monthly Payment
$895
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