75409 — Collin County, Texas Market Snapshot
Housing market data for zip code 75409 in Collin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
240 sales in 2026 (year to date)
Median Sale Price
$352,340
Days to Sell
106
Homes Sold
240
Inventory
410
Sale-to-List
97.3%
New Listings
354
Price/SqFt
$167
Pending Sales
273
Conforming Loan Available
Most homebuyers in 75409 can comfortably use conventional financing. The median home price of $352,340 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 106 days on average, 75409 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 75409 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75409 can comfortably use conventional financing. The median home price of $352,340 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 75409 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 75409
To purchase the median home at $352,340 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,850.
Monthly Payment
$2,850
Income Required
$122,122
Principal & Interest
$2,171/mo
Down Payment (5%)
$17,617
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 75409.
Estimated Monthly Payment
$2,331
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