75090 — Grayson County, Texas Market Snapshot
Housing market data for zip code 75090 in Grayson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
94 sales in 2026 (year to date)
Median Sale Price
$272,745
Days to Sell
77
Homes Sold
94
Inventory
163
Sale-to-List
97.2%
New Listings
161
Price/SqFt
$156
Pending Sales
118
Conforming Loan Available
Most homebuyers in 75090 can comfortably use conventional financing. The median home price of $272,745 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 77 days on average, 75090 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 75090 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75090 can comfortably use conventional financing. The median home price of $272,745 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 75090 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 75090
To purchase the median home at $272,745 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,240.
Monthly Payment
$2,240
Income Required
$95,987
Principal & Interest
$1,681/mo
Down Payment (5%)
$13,637
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 75090.
Estimated Monthly Payment
$1,838
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