75459 — Grayson County, Texas Market Snapshot
Housing market data for zip code 75459 in Grayson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$250,000
Days to Sell
44
Homes Sold
33
Inventory
37
Sale-to-List
96.5%
New Listings
45
Price/SqFt
$149
Pending Sales
51
Conforming Loan Available
Most homebuyers in 75459 can comfortably use conventional financing. The median home price of $250,000 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
75459's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 75459 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75459 can comfortably use conventional financing. The median home price of $250,000 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 75459 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 75459
To purchase the median home at $250,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,065.
Monthly Payment
$2,065
Income Required
$88,518
Principal & Interest
$1,540/mo
Down Payment (5%)
$12,500
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 75459.
Estimated Monthly Payment
$1,697
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