75165 — Ellis County, Texas Market Snapshot
Housing market data for zip code 75165 in Ellis County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
269 sales in 2026 (year to date)
Median Sale Price
$391,000
Days to Sell
72
Homes Sold
269
Inventory
278
Sale-to-List
98.3%
New Listings
309
Price/SqFt
$177
Pending Sales
320
Conforming Loan Available
Most homebuyers in 75165 can comfortably use conventional financing. The median home price of $391,000 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 72 days on average, 75165 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
Homes are selling very close to asking price in 75165 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 75165 can comfortably use conventional financing. The median home price of $391,000 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 75165 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 75165
To purchase the median home at $391,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,146.
Monthly Payment
$3,146
Income Required
$134,817
Principal & Interest
$2,409/mo
Down Payment (5%)
$19,550
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 75165.
Estimated Monthly Payment
$2,570
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