76426 — Wise County, Texas Market Snapshot
Housing market data for zip code 76426 in Wise County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$280,445
Days to Sell
111
Homes Sold
56
Inventory
93
Sale-to-List
97.5%
New Listings
87
Price/SqFt
$169
Pending Sales
66
Conforming Loan Available
Most homebuyers in 76426 can comfortably use conventional financing. The median home price of $280,445 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 111 days on average, 76426 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 76426 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76426 can comfortably use conventional financing. The median home price of $280,445 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 76426 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 76426
To purchase the median home at $280,445 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,299.
Monthly Payment
$2,299
Income Required
$98,515
Principal & Interest
$1,728/mo
Down Payment (5%)
$14,022
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 76426.
Estimated Monthly Payment
$1,886
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