75755 — Upshur County, Texas Market Snapshot
Housing market data for zip code 75755 in Upshur 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
$214,900
Days to Sell
165
Homes Sold
11
Inventory
20
Sale-to-List
101.4%
New Listings
12
Price/SqFt
$127
Pending Sales
9
Conforming Loan Available
Most homebuyers in 75755 can comfortably use conventional financing. The median home price of $214,900 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 165 days on average, 75755 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 75755 (101.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 75755 can comfortably use conventional financing. The median home price of $214,900 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 75755 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 75755
To purchase the median home at $214,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,797.
Monthly Payment
$1,797
Income Required
$76,993
Principal & Interest
$1,324/mo
Down Payment (5%)
$10,745
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 75755.
Estimated Monthly Payment
$1,480
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 75755. Tell us what you're looking for.