76476 — Hood County, Texas Market Snapshot
Housing market data for zip code 76476 in Hood County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$356,000
Days to Sell
33
Homes Sold
17
Inventory
36
Sale-to-List
98.4%
New Listings
44
Price/SqFt
$193
Pending Sales
24
Conforming Loan Available
Most homebuyers in 76476 can comfortably use conventional financing. The median home price of $356,000 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
76476's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 76476 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76476 can comfortably use conventional financing. The median home price of $356,000 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 76476 are set at the county level.
2026 Loan Limits — Hood 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 76476
To purchase the median home at $356,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,878.
Monthly Payment
$2,878
Income Required
$123,324
Principal & Interest
$2,194/mo
Down Payment (5%)
$17,800
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 76476.
Estimated Monthly Payment
$2,353
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