76234 — Wise County, Texas Market Snapshot
Housing market data for zip code 76234 in Wise County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
69 sales in 2026 (year to date)
Median Sale Price
$439,900
Days to Sell
77
Homes Sold
69
Inventory
120
Sale-to-List
98.4%
New Listings
115
Price/SqFt
$210
Pending Sales
93
Conforming Loan Available
Most homebuyers in 76234 can comfortably use conventional financing. The median home price of $439,900 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 77 days on average, 76234 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 76234 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76234 can comfortably use conventional financing. The median home price of $439,900 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 76234 are set at the county level.
2026 Loan Limits — Wise 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 76234
To purchase the median home at $439,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,520.
Monthly Payment
$3,520
Income Required
$150,873
Principal & Interest
$2,711/mo
Down Payment (5%)
$21,995
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 76234.
Estimated Monthly Payment
$2,872
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