75173 — Collin County, Texas Market Snapshot
Housing market data for zip code 75173 in Collin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
58 sales in 2026 (year to date)
Median Sale Price
$352,500
Days to Sell
77
Homes Sold
58
Inventory
154
Sale-to-List
96.4%
New Listings
132
Price/SqFt
$167
Pending Sales
79
Conforming Loan Available
Most homebuyers in 75173 can comfortably use conventional financing. The median home price of $352,500 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 77 days on average, 75173 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 75173 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75173 can comfortably use conventional financing. The median home price of $352,500 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 75173 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 75173
To purchase the median home at $352,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,851.
Monthly Payment
$2,851
Income Required
$122,175
Principal & Interest
$2,172/mo
Down Payment (5%)
$17,625
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 75173.
Estimated Monthly Payment
$2,332
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