Sunray, TX 79086 housing market
Data through Aug 2026 · Balanced market · leverage 76
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Home Value
$147,339
+9.7% vs. a year ago
Buyer Leverage Score
76
Sep 2026
Months of Supply
4.8 months
Aug 2026
Days on Market
78 days
Sep 2026
Price Cut %
25%
Sep 2026
Sale-to-List Ratio
80.0%
Jun 2026
Mtg Payment as % of Income
19%
Aug 2026
Overvalued %
2.1%
Aug 2026
Expected Disaster Loss
$108
Dec 2025
What this means
- Valuation. Prices are roughly in line with local incomes (+2% vs. this area's pre-2020 price-to-income norm).
- Prices. Home values are up 9.7% over the past year (U.S.: +1.2%).
- Supply. Listings are 28% below the 2017-19 norm: still a tight market.
- Negotiating. Buyer leverage is high (76/100; U.S.: 54): homes sell for about 20.0% below their final list price (as of Jun 2026); 25% of listings had a price cut (U.S.: 26%).
- Affordability. A mortgage on the typical home takes 19% of the median household income (U.S.: 35%); it takes about $44k a year to keep the payment at 30% of gross pay. That includes about $2,523 a year for home insurance (U.S.: $1,790).
- Disaster risk. FEMA expects about $108 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from tornadoes, hail and wind.
- Outlook. No clear direction: likely −7% to +9% over the next 12 months (64% chance of a rise).
Next 12 months
No clear direction
A rise is somewhat more likely than a fall, but not by enough to call. Likely change: −7.2% to +9.1% (80% range; middle estimate +2.1%), chance of a rise 64%, of a 5%+ drop 15%.
HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.
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Other ZIP codes in Sherman County, TX
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Stratford, TX 79084 | $169.5K | +6.1% | 91 |
| Texhoma, TX 73960 | – | – | 16 |