75034 — Collin County, Texas Market Snapshot
Housing market data for zip code 75034 in Collin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
102 sales in 2026 (year to date)
Median Sale Price
$952,500
Days to Sell
37
Homes Sold
102
Inventory
187
Sale-to-List
97.0%
New Listings
232
Price/SqFt
$255
Pending Sales
144
Jumbo Loan Likely Needed
The median home in 75034 at $952,500 exceeds the 2026 conforming loan limit of $832,750 by $119,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
75034's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 75034 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 75034 at $952,500 exceeds the 2026 conforming loan limit of $832,750 by $119,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 75034 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 75034
To purchase the median home at $952,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,448.
Monthly Payment
$7,448
Income Required
$319,189
Principal & Interest
$5,869/mo
Down Payment (5%)
$47,625
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 75034.
Estimated Monthly Payment
$6,045
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