75601 — Gregg County, Texas Market Snapshot
Housing market data for zip code 75601 in Gregg County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$267,000
Days to Sell
75
Homes Sold
66
Inventory
74
Sale-to-List
88.3%
New Listings
65
Price/SqFt
$133
Pending Sales
71
Conforming Loan Available
Most homebuyers in 75601 can comfortably use conventional financing. The median home price of $267,000 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
With homes sitting for 75 days on average, 75601 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 75601 sells for 11.7% below asking price (88.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75601 can comfortably use conventional financing. The median home price of $267,000 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 75601 are set at the county level.
2026 Loan Limits — Gregg 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 75601
To purchase the median home at $267,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,196.
Monthly Payment
$2,196
Income Required
$94,100
Principal & Interest
$1,645/mo
Down Payment (5%)
$13,350
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 75601.
Estimated Monthly Payment
$1,802
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