75076 — Grayson County, Texas Market Snapshot
Housing market data for zip code 75076 in Grayson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$375,750
Days to Sell
62
Homes Sold
48
Inventory
137
Sale-to-List
95.3%
New Listings
112
Price/SqFt
$200
Pending Sales
57
Conforming Loan Available
Most homebuyers in 75076 can comfortably use conventional financing. The median home price of $375,750 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 62 days on average, 75076 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 75076 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75076 can comfortably use conventional financing. The median home price of $375,750 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 75076 are set at the county level.
2026 Loan Limits — Grayson 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 75076
To purchase the median home at $375,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,029.
Monthly Payment
$3,029
Income Required
$129,809
Principal & Interest
$2,315/mo
Down Payment (5%)
$18,788
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 75076.
Estimated Monthly Payment
$2,475
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