76574 — Williamson County, Texas Market Snapshot
Housing market data for zip code 76574 in Williamson 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
$297,000
Days to Sell
64
Homes Sold
50
Inventory
127
Sale-to-List
98.0%
New Listings
102
Price/SqFt
$165
Pending Sales
72
Conforming Loan Available
Most homebuyers in 76574 can comfortably use conventional financing. The median home price of $297,000 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 64 days on average, 76574 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 76574 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76574 can comfortably use conventional financing. The median home price of $297,000 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 76574 are set at the county level.
2026 Loan Limits — Williamson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $571,550 |
| 2 Units | $1,066,250 | $731,700 |
| 3 Units | $1,288,800 | $884,450 |
| 4 Units | $1,601,750 | $1,099,150 |
Affordability Snapshot — Zip 76574
To purchase the median home at $297,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,426.
Monthly Payment
$2,426
Income Required
$103,951
Principal & Interest
$1,830/mo
Down Payment (5%)
$14,850
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 76574.
Estimated Monthly Payment
$1,988
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