76433 — Somervell County, Texas Market Snapshot
Housing market data for zip code 76433 in Somervell County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$512,500
Days to Sell
124
Homes Sold
11
Inventory
19
Sale-to-List
98.3%
New Listings
14
Price/SqFt
$238
Pending Sales
12
Conforming Loan Available
Most homebuyers in 76433 can comfortably use conventional financing. The median home price of $512,500 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
With homes sitting for 124 days on average, 76433 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 76433 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76433 can comfortably use conventional financing. The median home price of $512,500 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 76433 are set at the county level.
2026 Loan Limits — Somervell 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 76433
To purchase the median home at $512,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,077.
Monthly Payment
$4,077
Income Required
$174,712
Principal & Interest
$3,158/mo
Down Payment (5%)
$25,625
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 76433.
Estimated Monthly Payment
$3,322
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