76225 — Montague County, Texas Market Snapshot
Housing market data for zip code 76225 in Montague County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$261,995
Days to Sell
215
Homes Sold
28
Inventory
32
Sale-to-List
98.7%
New Listings
22
Price/SqFt
$144
Pending Sales
29
Conforming Loan Available
Most homebuyers in 76225 can comfortably use conventional financing. The median home price of $261,995 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 215 days on average, 76225 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 76225 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76225 can comfortably use conventional financing. The median home price of $261,995 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 76225 are set at the county level.
2026 Loan Limits — Montague 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 76225
To purchase the median home at $261,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,157.
Monthly Payment
$2,157
Income Required
$92,457
Principal & Interest
$1,614/mo
Down Payment (5%)
$13,100
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 76225.
Estimated Monthly Payment
$1,771
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