75604 — Gregg County, Texas Market Snapshot
Housing market data for zip code 75604 in Gregg County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
67 sales in 2026 (year to date)
Median Sale Price
$245,000
Days to Sell
70
Homes Sold
67
Inventory
112
Sale-to-List
0.0%
New Listings
103
Price/SqFt
$135
Pending Sales
73
Conforming Loan Available
Most homebuyers in 75604 can comfortably use conventional financing. The median home price of $245,000 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 70 days on average, 75604 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 75604 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75604 can comfortably use conventional financing. The median home price of $245,000 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 75604 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 75604
To purchase the median home at $245,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,027.
Monthly Payment
$2,027
Income Required
$86,876
Principal & Interest
$1,510/mo
Down Payment (5%)
$12,250
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 75604.
Estimated Monthly Payment
$1,666
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