75114 — Kaufman County, Texas Market Snapshot
Housing market data for zip code 75114 in Kaufman County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
202 sales in 2026 (year to date)
Median Sale Price
$260,437
Days to Sell
68
Homes Sold
202
Inventory
235
Sale-to-List
98.4%
New Listings
221
Price/SqFt
$152
Pending Sales
254
Conforming Loan Available
Most homebuyers in 75114 can comfortably use conventional financing. The median home price of $260,437 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 68 days on average, 75114 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 75114 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 75114 can comfortably use conventional financing. The median home price of $260,437 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 75114 are set at the county level.
2026 Loan Limits — Kaufman 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 75114
To purchase the median home at $260,437 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,145.
Monthly Payment
$2,145
Income Required
$91,945
Principal & Interest
$1,605/mo
Down Payment (5%)
$13,022
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 75114.
Estimated Monthly Payment
$1,762
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