75088 — Rockwall County, Texas Market Snapshot
Housing market data for zip code 75088 in Rockwall County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
97 sales in 2026 (year to date)
Median Sale Price
$378,000
Days to Sell
58
Homes Sold
97
Inventory
171
Sale-to-List
98.1%
New Listings
179
Price/SqFt
$178
Pending Sales
114
Conforming Loan Available
Most homebuyers in 75088 can comfortably use conventional financing. The median home price of $378,000 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
75088's market is balanced with homes taking an average of 58 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 75088 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 75088 can comfortably use conventional financing. The median home price of $378,000 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 75088 are set at the county level.
2026 Loan Limits — Rockwall 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 75088
To purchase the median home at $378,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,046.
Monthly Payment
$3,046
Income Required
$130,548
Principal & Interest
$2,329/mo
Down Payment (5%)
$18,900
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 75088.
Estimated Monthly Payment
$2,489
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