76209 — Denton County, Texas Market Snapshot
Housing market data for zip code 76209 in Denton County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
67 sales in 2026 (year to date)
Median Sale Price
$292,000
Days to Sell
61
Homes Sold
67
Inventory
71
Sale-to-List
97.6%
New Listings
80
Price/SqFt
$189
Pending Sales
84
Conforming Loan Available
Most homebuyers in 76209 can comfortably use conventional financing. The median home price of $292,000 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
With homes sitting for 61 days on average, 76209 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 76209 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76209 can comfortably use conventional financing. The median home price of $292,000 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 76209 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 76209
To purchase the median home at $292,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,387.
Monthly Payment
$2,387
Income Required
$102,309
Principal & Interest
$1,799/mo
Down Payment (5%)
$14,600
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 76209.
Estimated Monthly Payment
$1,957
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