76651 — Ellis County, Texas Market Snapshot
Housing market data for zip code 76651 in Ellis County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 9 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Ellis County county page for broader data.
Market Sales Data
9 sales in 2026 (year to date)
Median Sale Price
$320,000
Days to Sell
60
Homes Sold
9
Inventory
17
Conforming Loan Available
Most homebuyers in 76651 can comfortably use conventional financing. The median home price of $320,000 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 60 days on average, 76651 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 76651 can comfortably use conventional financing. The median home price of $320,000 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 76651 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 76651
To purchase the median home at $320,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,602.
Monthly Payment
$2,602
Income Required
$111,503
Principal & Interest
$1,972/mo
Down Payment (5%)
$16,000
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 76651.
Estimated Monthly Payment
$2,130
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