76041 — Ellis County, Texas Market Snapshot
Housing market data for zip code 76041 in Ellis County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Ellis County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$875,000
Days to Sell
38
Homes Sold
1
Inventory
1
Jumbo Loan Likely Needed
The median home in 76041 at $875,000 exceeds the 2026 conforming loan limit of $832,750 by $42,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
76041's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 76041 at $875,000 exceeds the 2026 conforming loan limit of $832,750 by $42,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 76041 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 76041
To purchase the median home at $875,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,854.
Monthly Payment
$6,854
Income Required
$293,742
Principal & Interest
$5,391/mo
Down Payment (5%)
$43,750
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 76041.
Estimated Monthly Payment
$5,565
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