75078 — Denton County, Texas Market Snapshot
Housing market data for zip code 75078 in Denton County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
264 sales in 2026 (year to date)
Median Sale Price
$815,000
Days to Sell
74
Homes Sold
264
Inventory
568
Sale-to-List
95.9%
New Listings
528
Price/SqFt
$231
Pending Sales
324
Conforming Loan Available
The median home in 75078 at $815,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 74 days on average, 75078 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 75078 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 75078 at $815,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 75078 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 75078
To purchase the median home at $815,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,394.
Monthly Payment
$6,394
Income Required
$274,040
Principal & Interest
$5,022/mo
Down Payment (5%)
$40,750
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 75078.
Estimated Monthly Payment
$5,194
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