76462 — Palo Pinto County, Texas Market Snapshot
Housing market data for zip code 76462 in Palo Pinto 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
$518,600
Days to Sell
163
Homes Sold
14
Inventory
18
Sale-to-List
98.1%
New Listings
16
Price/SqFt
$202
Pending Sales
19
Conforming Loan Available
Most homebuyers in 76462 can comfortably use conventional financing. The median home price of $518,600 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 163 days on average, 76462 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 76462 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76462 can comfortably use conventional financing. The median home price of $518,600 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 76462 are set at the county level.
2026 Loan Limits — Palo Pinto 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 76462
To purchase the median home at $518,600 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,123.
Monthly Payment
$4,123
Income Required
$176,715
Principal & Interest
$3,195/mo
Down Payment (5%)
$25,930
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 76462.
Estimated Monthly Payment
$3,360
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