75071 — Collin County, Texas Market Snapshot
Housing market data for zip code 75071 in Collin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
630 sales in 2026 (year to date)
Median Sale Price
$449,995
Days to Sell
72
Homes Sold
630
Inventory
749
Sale-to-List
97.2%
New Listings
886
Price/SqFt
$192
Pending Sales
747
Conforming Loan Available
Most homebuyers in 75071 can comfortably use conventional financing. The median home price of $449,995 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 72 days on average, 75071 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 75071 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75071 can comfortably use conventional financing. The median home price of $449,995 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 75071 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 75071
To purchase the median home at $449,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,598.
Monthly Payment
$3,598
Income Required
$154,188
Principal & Interest
$2,773/mo
Down Payment (5%)
$22,500
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 75071.
Estimated Monthly Payment
$2,935
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