76207 — Denton County, Texas Market Snapshot
Housing market data for zip code 76207 in Denton County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
95 sales in 2026 (year to date)
Median Sale Price
$411,000
Days to Sell
56
Homes Sold
95
Inventory
170
Sale-to-List
97.8%
New Listings
167
Price/SqFt
$214
Pending Sales
131
Conforming Loan Available
Most homebuyers in 76207 can comfortably use conventional financing. The median home price of $411,000 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
76207's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 76207 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76207 can comfortably use conventional financing. The median home price of $411,000 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 76207 are set at the county level.
2026 Loan Limits — Denton 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 76207
To purchase the median home at $411,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,299.
Monthly Payment
$3,299
Income Required
$141,384
Principal & Interest
$2,532/mo
Down Payment (5%)
$20,550
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 76207.
Estimated Monthly Payment
$2,694
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