75501 — Bowie County, Texas Market Snapshot
Housing market data for zip code 75501 in Bowie 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
$165,000
Days to Sell
86
Homes Sold
69
Inventory
145
Sale-to-List
82.7%
New Listings
112
Price/SqFt
$108
Pending Sales
62
Conforming Loan Available
Most homebuyers in 75501 can comfortably use conventional financing. The median home price of $165,000 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 86 days on average, 75501 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 75501 sells for 17.3% below asking price (82.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75501 can comfortably use conventional financing. The median home price of $165,000 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 75501 are set at the county level.
2026 Loan Limits — Bowie 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 75501
To purchase the median home at $165,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,414.
Monthly Payment
$1,414
Income Required
$60,608
Principal & Interest
$1,017/mo
Down Payment (5%)
$8,250
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 75501.
Estimated Monthly Payment
$1,171
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