76641 — Ellis County, Texas Market Snapshot
Housing market data for zip code 76641 in Ellis County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes 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
3 sales in 2026 (year to date)
Median Sale Price
$269,900
Days to Sell
22
Homes Sold
3
Inventory
2
Conforming Loan Available
Most homebuyers in 76641 can comfortably use conventional financing. The median home price of $269,900 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
Homes in 76641 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 76641 can comfortably use conventional financing. The median home price of $269,900 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 76641 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 76641
To purchase the median home at $269,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,218.
Monthly Payment
$2,218
Income Required
$95,052
Principal & Interest
$1,663/mo
Down Payment (5%)
$13,495
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 76641.
Estimated Monthly Payment
$1,820
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