76078 — Wise County, Texas Market Snapshot
Housing market data for zip code 76078 in Wise County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
68 sales in 2026 (year to date)
Median Sale Price
$487,000
Days to Sell
88
Homes Sold
68
Inventory
91
Sale-to-List
98.8%
New Listings
78
Price/SqFt
$200
Pending Sales
78
Conforming Loan Available
Most homebuyers in 76078 can comfortably use conventional financing. The median home price of $487,000 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 88 days on average, 76078 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 76078 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76078 can comfortably use conventional financing. The median home price of $487,000 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 76078 are set at the county level.
2026 Loan Limits — Wise County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $563,500 |
| 2 Units | $1,066,250 | $721,400 |
| 3 Units | $1,288,800 | $872,000 |
| 4 Units | $1,601,750 | $1,083,650 |
Affordability Snapshot — Zip 76078
To purchase the median home at $487,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,881.
Monthly Payment
$3,881
Income Required
$166,339
Principal & Interest
$3,001/mo
Down Payment (5%)
$24,350
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 76078.
Estimated Monthly Payment
$3,164
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