75035 — Collin County, Texas Market Snapshot
Housing market data for zip code 75035 in Collin 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
$541,450
Days to Sell
91
Homes Sold
15
Inventory
23
Sale-to-List
96.5%
New Listings
22
Price/SqFt
$236
Pending Sales
16
Conforming Loan Available
Most homebuyers in 75035 can comfortably use conventional financing. The median home price of $541,450 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 91 days on average, 75035 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 75035 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75035 can comfortably use conventional financing. The median home price of $541,450 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 75035 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 75035
To purchase the median home at $541,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,298.
Monthly Payment
$4,298
Income Required
$184,218
Principal & Interest
$3,336/mo
Down Payment (5%)
$27,073
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 75035.
Estimated Monthly Payment
$3,501
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