75189 — Collin County, Texas Market Snapshot
Housing market data for zip code 75189 in Collin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
298 sales in 2026 (year to date)
Median Sale Price
$336,995
Days to Sell
99
Homes Sold
298
Inventory
474
Sale-to-List
97.9%
New Listings
409
Price/SqFt
$153
Pending Sales
362
Conforming Loan Available
Most homebuyers in 75189 can comfortably use conventional financing. The median home price of $336,995 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 99 days on average, 75189 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 75189 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75189 can comfortably use conventional financing. The median home price of $336,995 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 75189 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 75189
To purchase the median home at $336,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,732.
Monthly Payment
$2,732
Income Required
$117,084
Principal & Interest
$2,076/mo
Down Payment (5%)
$16,850
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 75189.
Estimated Monthly Payment
$2,236
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