75119 — Navarro County, Texas Market Snapshot
Housing market data for zip code 75119 in Navarro County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
97 sales in 2026 (year to date)
Median Sale Price
$268,990
Days to Sell
78
Homes Sold
97
Inventory
111
Sale-to-List
97.4%
New Listings
119
Price/SqFt
$168
Pending Sales
110
Conforming Loan Available
Most homebuyers in 75119 can comfortably use conventional financing. The median home price of $268,990 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 78 days on average, 75119 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 75119 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75119 can comfortably use conventional financing. The median home price of $268,990 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 75119 are set at the county level.
2026 Loan Limits — Navarro 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 75119
To purchase the median home at $268,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,211.
Monthly Payment
$2,211
Income Required
$94,753
Principal & Interest
$1,657/mo
Down Payment (5%)
$13,450
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 75119.
Estimated Monthly Payment
$1,815
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