75686 — Titus County, Texas Market Snapshot
Housing market data for zip code 75686 in Titus County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$304,000
Days to Sell
102
Homes Sold
28
Inventory
83
Sale-to-List
94.9%
New Listings
68
Price/SqFt
$172
Pending Sales
32
Conforming Loan Available
Most homebuyers in 75686 can comfortably use conventional financing. The median home price of $304,000 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 102 days on average, 75686 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 75686 sells for 5.1% below asking price (94.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75686 can comfortably use conventional financing. The median home price of $304,000 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 75686 are set at the county level.
2026 Loan Limits — Titus 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 75686
To purchase the median home at $304,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,479.
Monthly Payment
$2,479
Income Required
$106,249
Principal & Interest
$1,873/mo
Down Payment (5%)
$15,200
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 75686.
Estimated Monthly Payment
$2,031
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