76360 — Wilbarger County, Texas Market Snapshot
Housing market data for zip code 76360 in Wilbarger 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
$114,500
Days to Sell
54
Homes Sold
11
Inventory
15
Sale-to-List
97.6%
New Listings
8
Price/SqFt
$65
Pending Sales
12
Conforming Loan Available
Most homebuyers in 76360 can comfortably use conventional financing. The median home price of $114,500 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
76360's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 76360 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76360 can comfortably use conventional financing. The median home price of $114,500 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 76360 are set at the county level.
2026 Loan Limits — Wilbarger 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 76360
To purchase the median home at $114,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,027.
Monthly Payment
$1,027
Income Required
$44,025
Principal & Interest
$706/mo
Down Payment (5%)
$5,725
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 76360.
Estimated Monthly Payment
$859
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