75407 — Collin County, Texas Market Snapshot
Housing market data for zip code 75407 in Collin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
388 sales in 2026 (year to date)
Median Sale Price
$284,735
Days to Sell
50
Homes Sold
388
Inventory
545
Sale-to-List
97.1%
New Listings
582
Price/SqFt
$153
Pending Sales
484
Conforming Loan Available
Most homebuyers in 75407 can comfortably use conventional financing. The median home price of $284,735 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
75407's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 75407 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75407 can comfortably use conventional financing. The median home price of $284,735 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 75407 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 75407
To purchase the median home at $284,735 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,332.
Monthly Payment
$2,332
Income Required
$99,924
Principal & Interest
$1,754/mo
Down Payment (5%)
$14,237
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 75407.
Estimated Monthly Payment
$1,912
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