76259 — Wise County, Texas Market Snapshot
Housing market data for zip code 76259 in Wise County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$350,000
Days to Sell
84
Homes Sold
35
Inventory
74
Sale-to-List
99.0%
New Listings
72
Price/SqFt
$188
Pending Sales
40
Conforming Loan Available
Most homebuyers in 76259 can comfortably use conventional financing. The median home price of $350,000 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 84 days on average, 76259 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 76259 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76259 can comfortably use conventional financing. The median home price of $350,000 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 76259 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 76259
To purchase the median home at $350,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
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 76259.
Estimated Monthly Payment
$2,316
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 76259. Tell us what you're looking for.