76431 — Wise County, Texas Market Snapshot
Housing market data for zip code 76431 in Wise County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Wise County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$787,500
Days to Sell
90
Homes Sold
8
Inventory
27
Conforming Loan Available
The median home in 76431 at $787,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 90 days on average, 76431 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 76431 at $787,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 76431 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 76431
To purchase the median home at $787,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,184.
Monthly Payment
$6,184
Income Required
$265,010
Principal & Interest
$4,852/mo
Down Payment (5%)
$39,375
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 76431.
Estimated Monthly Payment
$5,024
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 76431. Tell us what you're looking for.