76655 — Falls County, Texas Market Snapshot
Housing market data for zip code 76655 in Falls County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
71 sales in 2026 (year to date)
Median Sale Price
$325,950
Days to Sell
53
Homes Sold
71
Inventory
54
Sale-to-List
98.1%
New Listings
76
Price/SqFt
$178
Pending Sales
77
Conforming Loan Available
Most homebuyers in 76655 can comfortably use conventional financing. The median home price of $325,950 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
76655's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 76655 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76655 can comfortably use conventional financing. The median home price of $325,950 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 76655 are set at the county level.
2026 Loan Limits — Falls County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 76655
To purchase the median home at $325,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,647.
Monthly Payment
$2,647
Income Required
$113,457
Principal & Interest
$2,008/mo
Down Payment (5%)
$16,298
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 76655.
Estimated Monthly Payment
$2,167
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 76655. Tell us what you're looking for.