75645 — Upshur County, Texas Market Snapshot
Housing market data for zip code 75645 in Upshur County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$284,000
Days to Sell
60
Homes Sold
22
Inventory
24
Sale-to-List
101.7%
New Listings
20
Price/SqFt
$153
Pending Sales
23
Conforming Loan Available
Most homebuyers in 75645 can comfortably use conventional financing. The median home price of $284,000 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 60 days on average, 75645 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 75645 (101.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 75645 can comfortably use conventional financing. The median home price of $284,000 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 75645 are set at the county level.
2026 Loan Limits — Upshur 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 75645
To purchase the median home at $284,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,326.
Monthly Payment
$2,326
Income Required
$99,682
Principal & Interest
$1,750/mo
Down Payment (5%)
$14,200
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 75645.
Estimated Monthly Payment
$1,908
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 75645. Tell us what you're looking for.