76082 — Parker County, Texas Market Snapshot
Housing market data for zip code 76082 in Parker County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
109 sales in 2026 (year to date)
Median Sale Price
$394,888
Days to Sell
115
Homes Sold
109
Inventory
189
Sale-to-List
98.0%
New Listings
164
Price/SqFt
$199
Pending Sales
143
Conforming Loan Available
Most homebuyers in 76082 can comfortably use conventional financing. The median home price of $394,888 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 115 days on average, 76082 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 76082 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76082 can comfortably use conventional financing. The median home price of $394,888 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 76082 are set at the county level.
2026 Loan Limits — Parker County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $563,500 |
| 2 Units | $1,066,250 | $721,400 |
| 3 Units | $1,288,800 | $872,000 |
| 4 Units | $1,601,750 | $1,083,650 |
Affordability Snapshot — Zip 76082
To purchase the median home at $394,888 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,176.
Monthly Payment
$3,176
Income Required
$136,093
Principal & Interest
$2,433/mo
Down Payment (5%)
$19,744
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 76082.
Estimated Monthly Payment
$2,594
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