75125 — Ellis County, Texas Market Snapshot
Housing market data for zip code 75125 in Ellis County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$285,000
Days to Sell
85
Homes Sold
21
Inventory
45
Sale-to-List
97.5%
New Listings
37
Price/SqFt
$160
Pending Sales
30
Conforming Loan Available
Most homebuyers in 75125 can comfortably use conventional financing. The median home price of $285,000 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 85 days on average, 75125 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 75125 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75125 can comfortably use conventional financing. The median home price of $285,000 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 75125 are set at the county level.
2026 Loan Limits — Ellis 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 75125
To purchase the median home at $285,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,334.
Monthly Payment
$2,334
Income Required
$100,011
Principal & Interest
$1,756/mo
Down Payment (5%)
$14,250
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 75125.
Estimated Monthly Payment
$1,914
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