75442 — Collin County, Texas Market Snapshot
Housing market data for zip code 75442 in Collin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
110 sales in 2026 (year to date)
Median Sale Price
$295,421
Days to Sell
146
Homes Sold
110
Inventory
144
Sale-to-List
98.0%
New Listings
100
Price/SqFt
$142
Pending Sales
148
Conforming Loan Available
Most homebuyers in 75442 can comfortably use conventional financing. The median home price of $295,421 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 146 days on average, 75442 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 75442 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75442 can comfortably use conventional financing. The median home price of $295,421 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 75442 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 75442
To purchase the median home at $295,421 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,413.
Monthly Payment
$2,413
Income Required
$103,432
Principal & Interest
$1,820/mo
Down Payment (5%)
$14,771
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 75442.
Estimated Monthly Payment
$1,978
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 75442. Tell us what you're looking for.