75087 — Rockwall County, Texas Market Snapshot
Housing market data for zip code 75087 in Rockwall County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
223 sales in 2026 (year to date)
Median Sale Price
$477,000
Days to Sell
87
Homes Sold
223
Inventory
391
Sale-to-List
97.2%
New Listings
344
Price/SqFt
$186
Pending Sales
272
Conforming Loan Available
Most homebuyers in 75087 can comfortably use conventional financing. The median home price of $477,000 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 87 days on average, 75087 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 75087 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75087 can comfortably use conventional financing. The median home price of $477,000 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 75087 are set at the county level.
2026 Loan Limits — Rockwall 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 75087
To purchase the median home at $477,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,805.
Monthly Payment
$3,805
Income Required
$163,055
Principal & Interest
$2,939/mo
Down Payment (5%)
$23,850
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 75087.
Estimated Monthly Payment
$3,102
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