76384 — Foard County, Texas Market Snapshot
Housing market data for zip code 76384 in Foard 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
$125,000
Days to Sell
67
Homes Sold
21
Inventory
8
Sale-to-List
95.5%
New Listings
12
Price/SqFt
$85
Pending Sales
23
Conforming Loan Available
Most homebuyers in 76384 can comfortably use conventional financing. The median home price of $125,000 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 67 days on average, 76384 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 76384 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76384 can comfortably use conventional financing. The median home price of $125,000 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 76384 are set at the county level.
2026 Loan Limits — Foard County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 76384
To purchase the median home at $125,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,108.
Monthly Payment
$1,108
Income Required
$47,473
Principal & Interest
$770/mo
Down Payment (5%)
$6,250
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 76384.
Estimated Monthly Payment
$924
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