75561 — Bowie County, Texas Market Snapshot
Housing market data for zip code 75561 in Bowie County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$167,450
Days to Sell
50
Homes Sold
12
Inventory
32
Sale-to-List
94.3%
New Listings
14
Price/SqFt
$113
Pending Sales
13
Conforming Loan Available
Most homebuyers in 75561 can comfortably use conventional financing. The median home price of $167,450 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
75561's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 75561 sells for 5.7% below asking price (94.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75561 can comfortably use conventional financing. The median home price of $167,450 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 75561 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 75561
To purchase the median home at $167,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,433.
Monthly Payment
$1,433
Income Required
$61,412
Principal & Interest
$1,032/mo
Down Payment (5%)
$8,373
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 75561.
Estimated Monthly Payment
$1,186
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