76305 — Clay County, Texas Market Snapshot
Housing market data for zip code 76305 in Clay County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Clay County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$379,000
Days to Sell
48
Homes Sold
5
Inventory
10
Conforming Loan Available
Most homebuyers in 76305 can comfortably use conventional financing. The median home price of $379,000 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
76305's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 76305 can comfortably use conventional financing. The median home price of $379,000 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 76305 are set at the county level.
2026 Loan Limits — Clay 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 76305
To purchase the median home at $379,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,054.
Monthly Payment
$3,054
Income Required
$130,876
Principal & Interest
$2,335/mo
Down Payment (5%)
$18,950
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 76305.
Estimated Monthly Payment
$2,496
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