75152 — Ellis County, Texas Market Snapshot
Housing market data for zip code 75152 in Ellis County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$402,500
Days to Sell
103
Homes Sold
17
Inventory
29
Sale-to-List
99.8%
New Listings
26
Price/SqFt
$200
Pending Sales
24
Conforming Loan Available
Most homebuyers in 75152 can comfortably use conventional financing. The median home price of $402,500 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 103 days on average, 75152 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 75152 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 75152 can comfortably use conventional financing. The median home price of $402,500 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 75152 are set at the county level.
2026 Loan Limits — Ellis 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 75152
To purchase the median home at $402,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,234.
Monthly Payment
$3,234
Income Required
$138,593
Principal & Interest
$2,480/mo
Down Payment (5%)
$20,125
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 75152.
Estimated Monthly Payment
$2,641
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