76208 — Denton County, Texas Market Snapshot
Housing market data for zip code 76208 in Denton County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
80 sales in 2026 (year to date)
Median Sale Price
$392,245
Days to Sell
41
Homes Sold
80
Inventory
123
Sale-to-List
97.9%
New Listings
143
Price/SqFt
$182
Pending Sales
93
Conforming Loan Available
Most homebuyers in 76208 can comfortably use conventional financing. The median home price of $392,245 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
76208's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 76208 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 76208 can comfortably use conventional financing. The median home price of $392,245 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 76208 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 76208
To purchase the median home at $392,245 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,155.
Monthly Payment
$3,155
Income Required
$135,225
Principal & Interest
$2,417/mo
Down Payment (5%)
$19,612
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 76208.
Estimated Monthly Payment
$2,578
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