75481 — Hopkins County, Texas Market Snapshot
Housing market data for zip code 75481 in Hopkins County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Hopkins County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$699,900
Days to Sell
14
Homes Sold
1
Inventory
2
Conforming Loan Available
The median home in 75481 at $699,900 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 75481 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
The median home in 75481 at $699,900 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 75481 are set at the county level.
2026 Loan Limits — Hopkins 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 75481
To purchase the median home at $699,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,512.
Monthly Payment
$5,512
Income Required
$236,246
Principal & Interest
$4,313/mo
Down Payment (5%)
$34,995
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 75481.
Estimated Monthly Payment
$4,482
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