75451 — Camp County, Texas Market Snapshot
Housing market data for zip code 75451 in Camp County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Camp County county page for broader data.
Market Sales Data
3 sales in 2026 (year to date)
Median Sale Price
$1,450,000
Days to Sell
224
Homes Sold
3
Inventory
6
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $1,450,000 median-priced home in 75451 is $1,377,500. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $544,750 above the limit. A base loan at or below the limit would require at least 42.6% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $1,450,000 median-priced home in 75451 is $1,377,500. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $544,750 above the limit. A base loan at or below the limit would require at least 42.6% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 75451 are set at the county level.
2026 Loan Limits — Camp 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 75451
To purchase the median home at $1,450,000 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $11,833.
Monthly Payment
$11,833
Income Required
$507,146
Principal & Interest
$8,934/mo
Property Tax
$2,175/mo
Home Insurance
$150/mo
Estimated PMI
$574/mo
Down Payment (5%)
$72,500
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 75451.
Estimated Monthly Payment
$9,124
Above the conforming limit. The estimated loan amount exceeds the $832,750 limit for 75451. This comparison does not determine loan eligibility or approval.
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 75451. Tell us what you're looking for.