75056 — Denton County, Texas Market Snapshot
Housing market data for zip code 75056 in Denton County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
176 sales in 2026 (year to date)
Median Sale Price
$525,175
Days to Sell
39
Homes Sold
176
Inventory
240
Sale-to-List
97.9%
New Listings
304
Price/SqFt
$222
Pending Sales
225
Conforming Loan Available
Most homebuyers in 75056 can comfortably use conventional financing. The median home price of $525,175 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
75056's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 75056 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75056 can comfortably use conventional financing. The median home price of $525,175 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 75056 are set at the county level.
2026 Loan Limits — Denton 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 75056
To purchase the median home at $525,175 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,174.
Monthly Payment
$4,174
Income Required
$178,874
Principal & Interest
$3,236/mo
Down Payment (5%)
$26,259
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 75056.
Estimated Monthly Payment
$3,400
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