75640 — Upshur County, Texas Market Snapshot
Housing market data for zip code 75640 in Upshur County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$322,900
Days to Sell
157
Homes Sold
13
Inventory
23
Sale-to-List
0.0%
New Listings
17
Price/SqFt
$158
Pending Sales
13
Conforming Loan Available
Most homebuyers in 75640 can comfortably use conventional financing. The median home price of $322,900 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 157 days on average, 75640 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 75640 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 75640 can comfortably use conventional financing. The median home price of $322,900 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 75640 are set at the county level.
2026 Loan Limits — Upshur 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 75640
To purchase the median home at $322,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,624.
Monthly Payment
$2,624
Income Required
$112,455
Principal & Interest
$1,990/mo
Down Payment (5%)
$16,145
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 75640.
Estimated Monthly Payment
$2,148
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