76249 — Wise County, Texas Market Snapshot
Housing market data for zip code 76249 in Wise County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
93 sales in 2026 (year to date)
Median Sale Price
$315,435
Days to Sell
57
Homes Sold
93
Inventory
103
Sale-to-List
98.7%
New Listings
109
Price/SqFt
$184
Pending Sales
109
Conforming Loan Available
Most homebuyers in 76249 can comfortably use conventional financing. The median home price of $315,435 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
76249's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 76249 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76249 can comfortably use conventional financing. The median home price of $315,435 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 76249 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 76249
To purchase the median home at $315,435 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,567.
Monthly Payment
$2,567
Income Required
$110,004
Principal & Interest
$1,944/mo
Down Payment (5%)
$15,772
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 76249.
Estimated Monthly Payment
$2,102
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