75762 — Smith County, Texas Market Snapshot
Housing market data for zip code 75762 in Smith County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
60 sales in 2026 (year to date)
Median Sale Price
$322,450
Days to Sell
77
Homes Sold
60
Inventory
125
Sale-to-List
92.3%
New Listings
114
Price/SqFt
$179
Pending Sales
85
Conforming Loan Available
Most homebuyers in 75762 can comfortably use conventional financing. The median home price of $322,450 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 77 days on average, 75762 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
The average home in 75762 sells for 7.7% below asking price (92.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75762 can comfortably use conventional financing. The median home price of $322,450 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 75762 are set at the county level.
2026 Loan Limits — Smith 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 75762
To purchase the median home at $322,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,621.
Monthly Payment
$2,621
Income Required
$112,307
Principal & Interest
$1,987/mo
Down Payment (5%)
$16,123
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 75762.
Estimated Monthly Payment
$2,146
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