76487 — Jack County, Texas Market Snapshot
Housing market data for zip code 76487 in Jack County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$500,000
Days to Sell
125
Homes Sold
23
Inventory
63
Sale-to-List
98.9%
New Listings
44
Price/SqFt
$228
Pending Sales
35
Conforming Loan Available
Most homebuyers in 76487 can comfortably use conventional financing. The median home price of $500,000 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 125 days on average, 76487 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
Homes are selling very close to asking price in 76487 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76487 can comfortably use conventional financing. The median home price of $500,000 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 76487 are set at the county level.
2026 Loan Limits — Jack 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 76487
To purchase the median home at $500,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,981.
Monthly Payment
$3,981
Income Required
$170,607
Principal & Interest
$3,081/mo
Down Payment (5%)
$25,000
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 76487.
Estimated Monthly Payment
$3,244
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