76273 — Grayson County, Texas Market Snapshot
Housing market data for zip code 76273 in Grayson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$297,250
Days to Sell
73
Homes Sold
44
Inventory
86
Sale-to-List
96.6%
New Listings
73
Price/SqFt
$188
Pending Sales
52
Conforming Loan Available
Most homebuyers in 76273 can comfortably use conventional financing. The median home price of $297,250 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 73 days on average, 76273 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 76273 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76273 can comfortably use conventional financing. The median home price of $297,250 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 76273 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 76273
To purchase the median home at $297,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,427.
Monthly Payment
$2,427
Income Required
$104,033
Principal & Interest
$1,832/mo
Down Payment (5%)
$14,863
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 76273.
Estimated Monthly Payment
$1,990
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