76245 — Grayson County, Texas Market Snapshot
Housing market data for zip code 76245 in Grayson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$250,450
Days to Sell
104
Homes Sold
14
Inventory
31
Sale-to-List
94.7%
New Listings
26
Price/SqFt
$177
Pending Sales
19
Conforming Loan Available
Most homebuyers in 76245 can comfortably use conventional financing. The median home price of $250,450 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 104 days on average, 76245 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 76245 sells for 5.3% below asking price (94.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76245 can comfortably use conventional financing. The median home price of $250,450 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 76245 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 76245
To purchase the median home at $250,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,069.
Monthly Payment
$2,069
Income Required
$88,666
Principal & Interest
$1,543/mo
Down Payment (5%)
$12,523
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 76245.
Estimated Monthly Payment
$1,700
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