75495 — Grayson County, Texas Market Snapshot
Housing market data for zip code 75495 in Grayson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
95 sales in 2026 (year to date)
Median Sale Price
$434,100
Days to Sell
156
Homes Sold
95
Inventory
189
Sale-to-List
97.9%
New Listings
139
Price/SqFt
$185
Pending Sales
95
Conforming Loan Available
Most homebuyers in 75495 can comfortably use conventional financing. The median home price of $434,100 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 156 days on average, 75495 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 75495 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75495 can comfortably use conventional financing. The median home price of $434,100 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 75495 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 75495
To purchase the median home at $434,100 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,476.
Monthly Payment
$3,476
Income Required
$148,969
Principal & Interest
$2,675/mo
Down Payment (5%)
$21,705
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 75495.
Estimated Monthly Payment
$2,837
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