76306 — Wichita County, Texas Market Snapshot
Housing market data for zip code 76306 in Wichita County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$153,500
Days to Sell
72
Homes Sold
50
Inventory
50
Sale-to-List
80.3%
New Listings
64
Price/SqFt
$117
Pending Sales
52
Conforming Loan Available
Most homebuyers in 76306 can comfortably use conventional financing. The median home price of $153,500 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 72 days on average, 76306 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 76306 sells for 19.7% below asking price (80.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76306 can comfortably use conventional financing. The median home price of $153,500 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 76306 are set at the county level.
2026 Loan Limits — Wichita 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 76306
To purchase the median home at $153,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,326.
Monthly Payment
$1,326
Income Required
$56,832
Principal & Interest
$946/mo
Down Payment (5%)
$7,675
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 76306.
Estimated Monthly Payment
$1,100
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