75023 — Collin County, Texas Market Snapshot
Housing market data for zip code 75023 in Collin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
132 sales in 2026 (year to date)
Median Sale Price
$445,250
Days to Sell
36
Homes Sold
132
Inventory
123
Sale-to-List
99.5%
New Listings
173
Price/SqFt
$215
Pending Sales
147
Conforming Loan Available
Most homebuyers in 75023 can comfortably use conventional financing. The median home price of $445,250 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
75023's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 75023 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 75023 can comfortably use conventional financing. The median home price of $445,250 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 75023 are set at the county level.
2026 Loan Limits — Collin County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $563,500 |
| 2 Units | $1,066,250 | $721,400 |
| 3 Units | $1,288,800 | $872,000 |
| 4 Units | $1,601,750 | $1,083,650 |
Affordability Snapshot — Zip 75023
To purchase the median home at $445,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,561.
Monthly Payment
$3,561
Income Required
$152,630
Principal & Interest
$2,743/mo
Down Payment (5%)
$22,263
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 75023.
Estimated Monthly Payment
$2,906
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