75098 — Rockwall County, Texas Market Snapshot
Housing market data for zip code 75098 in Rockwall 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 Rockwall County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$632,500
Days to Sell
17
Homes Sold
1
Inventory
2
Conforming Loan Available
Most homebuyers in 75098 can comfortably use conventional financing. The median home price of $632,500 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
Homes in 75098 are moving quickly at 17 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 75098 can comfortably use conventional financing. The median home price of $632,500 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 75098 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 75098
To purchase the median home at $632,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,996.
Monthly Payment
$4,996
Income Required
$214,115
Principal & Interest
$3,897/mo
Down Payment (5%)
$31,625
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 75098.
Estimated Monthly Payment
$4,064
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