75709 — Smith County, Texas Market Snapshot
Housing market data for zip code 75709 in Smith County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$329,450
Days to Sell
52
Homes Sold
14
Inventory
38
Sale-to-List
99.2%
New Listings
34
Price/SqFt
$173
Pending Sales
22
Conforming Loan Available
Most homebuyers in 75709 can comfortably use conventional financing. The median home price of $329,450 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
75709's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 75709 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 75709 can comfortably use conventional financing. The median home price of $329,450 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 75709 are set at the county level.
2026 Loan Limits — Smith 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 75709
To purchase the median home at $329,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,674.
Monthly Payment
$2,674
Income Required
$114,606
Principal & Interest
$2,030/mo
Down Payment (5%)
$16,473
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 75709.
Estimated Monthly Payment
$2,189
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