75791 — Smith County, Texas Market Snapshot
Housing market data for zip code 75791 in Smith County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$289,450
Days to Sell
69
Homes Sold
52
Inventory
78
Sale-to-List
100.0%
New Listings
67
Price/SqFt
$169
Pending Sales
56
Conforming Loan Available
Most homebuyers in 75791 can comfortably use conventional financing. The median home price of $289,450 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
With homes sitting for 69 days on average, 75791 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 75791 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 75791 can comfortably use conventional financing. The median home price of $289,450 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 75791 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 75791
To purchase the median home at $289,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,368.
Monthly Payment
$2,368
Income Required
$101,472
Principal & Interest
$1,784/mo
Down Payment (5%)
$14,473
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 75791.
Estimated Monthly Payment
$1,941
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