76258 — Grayson County, Texas Market Snapshot
Housing market data for zip code 76258 in Grayson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
103 sales in 2026 (year to date)
Median Sale Price
$292,490
Days to Sell
80
Homes Sold
103
Inventory
120
Sale-to-List
98.1%
New Listings
151
Price/SqFt
$158
Pending Sales
143
Conforming Loan Available
Most homebuyers in 76258 can comfortably use conventional financing. The median home price of $292,490 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 80 days on average, 76258 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
Homes are selling very close to asking price in 76258 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76258 can comfortably use conventional financing. The median home price of $292,490 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 76258 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 76258
To purchase the median home at $292,490 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,391.
Monthly Payment
$2,391
Income Required
$102,470
Principal & Interest
$1,802/mo
Down Payment (5%)
$14,625
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 76258.
Estimated Monthly Payment
$1,960
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