75009 — Collin County, Texas Market Snapshot
Housing market data for zip code 75009 in Collin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
405 sales in 2026 (year to date)
Median Sale Price
$480,000
Days to Sell
118
Homes Sold
405
Inventory
851
Sale-to-List
96.9%
New Listings
762
Price/SqFt
$186
Pending Sales
491
Conforming Loan Available
Most homebuyers in 75009 can comfortably use conventional financing. The median home price of $480,000 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 118 days on average, 75009 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 75009 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75009 can comfortably use conventional financing. The median home price of $480,000 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 75009 are set at the county level.
2026 Loan Limits — Collin 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 75009
To purchase the median home at $480,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,828.
Monthly Payment
$3,828
Income Required
$164,040
Principal & Interest
$2,958/mo
Down Payment (5%)
$24,000
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 75009.
Estimated Monthly Payment
$3,121
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