75644 — Upshur County, Texas Market Snapshot
Housing market data for zip code 75644 in Upshur County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$219,500
Days to Sell
96
Homes Sold
30
Inventory
50
Sale-to-List
99.7%
New Listings
36
Price/SqFt
$134
Pending Sales
25
Conforming Loan Available
Most homebuyers in 75644 can comfortably use conventional financing. The median home price of $219,500 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 96 days on average, 75644 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 75644 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 75644 can comfortably use conventional financing. The median home price of $219,500 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 75644 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 75644
To purchase the median home at $219,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,832.
Monthly Payment
$1,832
Income Required
$78,503
Principal & Interest
$1,352/mo
Down Payment (5%)
$10,975
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 75644.
Estimated Monthly Payment
$1,508
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