76044 — Johnson County, Texas Market Snapshot
Housing market data for zip code 76044 in Johnson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
103 sales in 2026 (year to date)
Median Sale Price
$415,000
Days to Sell
121
Homes Sold
103
Inventory
145
Sale-to-List
98.2%
New Listings
112
Price/SqFt
$171
Pending Sales
122
Conforming Loan Available
Most homebuyers in 76044 can comfortably use conventional financing. The median home price of $415,000 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
With homes sitting for 121 days on average, 76044 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
Homes are selling very close to asking price in 76044 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76044 can comfortably use conventional financing. The median home price of $415,000 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 76044 are set at the county level.
2026 Loan Limits — Johnson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $563,500 |
| 2 Units | $1,066,250 | $721,400 |
| 3 Units | $1,288,800 | $872,000 |
| 4 Units | $1,601,750 | $1,083,650 |
Affordability Snapshot — Zip 76044
To purchase the median home at $415,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,330.
Monthly Payment
$3,330
Income Required
$142,697
Principal & Interest
$2,557/mo
Down Payment (5%)
$20,750
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 76044.
Estimated Monthly Payment
$2,718
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