76566 — Hamilton County, Texas Market Snapshot
Housing market data for zip code 76566 in Hamilton County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Hamilton County county page for broader data.
Market Sales Data
1 sales in 2023
Median Sale Price
$608,300
Days to Sell
174
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 76566 can comfortably use conventional financing. The median home price of $608,300 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 174 days on average, 76566 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 76566 can comfortably use conventional financing. The median home price of $608,300 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 76566 are set at the county level.
2026 Loan Limits — Hamilton 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 76566
To purchase the median home at $608,300 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,811.
Monthly Payment
$4,811
Income Required
$206,169
Principal & Interest
$3,748/mo
Down Payment (5%)
$30,415
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 76566.
Estimated Monthly Payment
$3,915
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