75148 — Henderson County, Texas Market Snapshot
Housing market data for zip code 75148 in Henderson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$288,500
Days to Sell
68
Homes Sold
29
Inventory
92
Sale-to-List
95.4%
New Listings
64
Price/SqFt
$177
Pending Sales
35
Conforming Loan Available
Most homebuyers in 75148 can comfortably use conventional financing. The median home price of $288,500 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 68 days on average, 75148 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 75148 sells for 4.6% below asking price (95.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75148 can comfortably use conventional financing. The median home price of $288,500 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 75148 are set at the county level.
2026 Loan Limits — Henderson 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 75148
To purchase the median home at $288,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,360.
Monthly Payment
$2,360
Income Required
$101,160
Principal & Interest
$1,778/mo
Down Payment (5%)
$14,425
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 75148.
Estimated Monthly Payment
$1,935
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