76266 — Cooke County, Texas Market Snapshot
Housing market data for zip code 76266 in Cooke County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
75 sales in 2026 (year to date)
Median Sale Price
$336,490
Days to Sell
82
Homes Sold
75
Inventory
109
Sale-to-List
99.4%
New Listings
108
Price/SqFt
$173
Pending Sales
99
Conforming Loan Available
Most homebuyers in 76266 can comfortably use conventional financing. The median home price of $336,490 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 82 days on average, 76266 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
Homes are selling very close to asking price in 76266 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76266 can comfortably use conventional financing. The median home price of $336,490 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 76266 are set at the county level.
2026 Loan Limits — Cooke County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 76266
To purchase the median home at $336,490 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,728.
Monthly Payment
$2,728
Income Required
$116,918
Principal & Interest
$2,073/mo
Down Payment (5%)
$16,825
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 76266.
Estimated Monthly Payment
$2,232
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