75490 — Grayson County, Texas Market Snapshot
Housing market data for zip code 75490 in Grayson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$391,950
Days to Sell
123
Homes Sold
18
Inventory
37
Sale-to-List
96.7%
New Listings
24
Price/SqFt
$170
Pending Sales
18
Conforming Loan Available
Most homebuyers in 75490 can comfortably use conventional financing. The median home price of $391,950 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 123 days on average, 75490 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 75490 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75490 can comfortably use conventional financing. The median home price of $391,950 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 75490 are set at the county level.
2026 Loan Limits — Grayson 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 75490
To purchase the median home at $391,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,153.
Monthly Payment
$3,153
Income Required
$135,128
Principal & Interest
$2,415/mo
Down Payment (5%)
$19,598
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 75490.
Estimated Monthly Payment
$2,576
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