75020 Home Values
75020 Market Snapshot
| Active 463 listings | New 70 30 days | Closed 38 30 days | Pending 2 30 days | Supply 12.4 months | Absorption 1.3% monthly | Over List 0.5% sold above | Under List 62.3% sold below | Concessions 42.1% % of solds | Avg Concession $9,070 seller paid |
Source: NTREIS MLS • Excludes leases • Sep 2026
75020 Market Trends
New Builds Crowd Denison's Aging Brick Streets
The 75020 side of Denison is a patchwork of eras. Pre-war bungalows and Craftsmans line W Walker and the streets fanning south of downtown, many with original hardwood floors and 1920s character waiting on renovation budgets. A wave of affordable new construction from Imagination Homes and Wyldewood has filled vacant lots with 1,200-to-2,000-square-foot specs priced in the high $200s to low $300s. Half-duplexes and full duplexes built since 2020 dominate the rental stock, often featuring granite counters and vinyl plank on compact lots near Loy Lake Road. A few two-acre parcels with stone or brick homes anchor the south end near the dam.
Against Grayson County's roughly 95 cents on the dollar, sellers in 75020 collected closer to 93 cents this quarter, and that gap frames the negotiating picture, based on MLS data for October 2026 closings in 75020. Concessions appeared in about four in ten closings and averaged roughly $8,300, rebounding from last month's pullback, while nearly six in ten sales closed under list and none closed above it. Price per square foot edged up to roughly $155, still about 6% under the county, even as the median sale price climbed to around $286K. Closings held near 112, with typical sales taking about 74 days.
New listing activity eased to roughly 210 over the quarter, down from about 230 last month, yet roughly 460 active homes still sit against only six pending contracts, a thin ratio even by Grayson County's standards, where about 127 contracts back roughly 3,450 active listings. Months of supply near twelve and a half is essentially unchanged and far beyond the level that favors sellers. Days on market stretching toward 74 reinforces the velocity signal, suggesting leverage building in the pipeline has yet to translate into buyers committing, with absorption still sluggish heading into winter.
Market Updates
Against Grayson County's roughly 95 cents on the dollar, sellers in 75020 collected closer to 93 cents this quarter, and that gap frames the negotiating picture, based on MLS data for October 2026 closings in 75020. Concessions appeared in about four in ten closings and averaged roughly $8,300, rebounding from last month's pullback, while nearly six in ten sales closed under list and none closed above it. Price per square foot edged up to roughly $155, still about 6% under the county, even as the median sale price climbed to around $286K. Closings held near 112, with typical sales taking about 74 days.
New listing activity eased to roughly 210 over the quarter, down from about 230 last month, yet roughly 460 active homes still sit against only six pending contracts, a thin ratio even by Grayson County's standards, where about 127 contracts back roughly 3,450 active listings. Months of supply near twelve and a half is essentially unchanged and far beyond the level that favors sellers. Days on market stretching toward 74 reinforces the velocity signal, suggesting leverage building in the pipeline has yet to translate into buyers committing, with absorption still sluggish heading into winter.
Reversing three straight months of quickening, closing times in 75020 stretched to roughly 67 days this quarter — up from a recent low near 53 — based on MLS data for September 2026 closings in 75020. The slower pace arrived even as closed volume held near 113 sales, comfortably above the trailing-year quarterly average, while price per square foot eased further to about $152, extending a gradual softening from the high $150s. Sellers also gave back less at the table than they did last month: concessions touched a little over four in ten closings, and the average concession amount pulled back to just under $7,750, down nearly a third from last month's figure.
The pipeline points to an even sharper slowdown than closed-sale timing alone suggests. Pending contracts in 75020 fell to just six against 471 active listings this quarter, thinning further from an already-thin ratio last month and pulling well below Grayson County's conversion pace. New listings kept arriving at a steady clip near 230, keeping months of supply near twelve and a half — little changed from recent months but still far above the level that would favor sellers. With so few contracts advancing toward closing, the lengthening days-on-market reflects a pipeline that is stalling, not simply decelerating.
Sellers in 75020 kept giving ground at the negotiating table this quarter, based on MLS data for August 2026 closings in 75020. The average concession climbed to nearly $10,900, well above the roughly $8,800 trailing-year norm, and concessions touched just under half of closings. Sellers collected about 94 cents on the dollar at closing, with none closing above list. That shift in leverage held even as volume stayed strong near 120 closings, with the typical sale wrapping up in about 53 days — faster than the trailing-year pace. Price per square foot held flat near $159, even as the median sale price ran higher than recent months — a signal that pricier homes, not broader appreciation, drove the quarter.
Pending contracts in 75020 fell to just 12 against nearly 500 active listings, one of the thinnest pending-to-active ratios of the past year and well below Grayson County's own conversion pace. Months of supply eased slightly to about twelve and a half, down from over fifteen across the trailing year, even as new listings kept arriving at a brisk clip. That combination complicates the broader leverage shift already underway, with the shrinking pool of contracts advancing toward closing suggesting buyers aren't fully capitalizing on the room being created, leaving absorption sluggish heading into fall.
For the second consecutive month, closing times in 75020 have shortened: homes sold in roughly 61 days last quarter, down from about 65 the month before and nearly 90 two months earlier, based on MLS data for July 2026 closings in 75020. That faster pace hasn't translated into firmer pricing — price per square foot held near $156, modestly softer than the trailing-year average, while the median sale settled around $235K, essentially flat over the past year. Sellers kept giving ground at the table: concessions appeared in nearly half of closings, up from roughly four in ten last quarter, and not one transaction closed above list price.
Pending contracts in 75020 fell sharply to roughly two dozen against more than 500 active listings — one of the thinnest pending-to-active ratios of the past year, and lower than Grayson County's broader conversion rate. New listings kept entering the pipeline at a brisk pace, roughly 280 over the quarter, keeping months of supply near 13, well above the threshold that would favor sellers. The imbalance signals absorption slowed even as the market's closing pace quickened, pointing to softer near-term momentum than closed-sale data alone suggests.
The average concession amount in 75020 jumped to roughly $11,300 last quarter — up more than a third from the prior period's average — while the share of closings that included seller concessions climbed to nearly four in ten. Sellers received just over 92 cents on the dollar at closing, and not a single tracked transaction closed above list price, based on MLS data for June 2026 closings in 75020. Price per square foot held near $160, with the median sale running just under $240K. Homes that closed came off the market in about 65 days, several days faster than the trailing-year pace, though the concession data suggests sellers absorbed that velocity at the negotiating table rather than through asking-price reductions alone.
Active supply in 75020 held near 490 homes while pending contracts declined to roughly 60 — the lowest pending-to-active ratio in recent months — leaving absorption pressure elevated heading into summer. Months of supply remained above 14, well above the buyer-seller equilibrium threshold, and new listings continued entering the pipeline at roughly 280 over the quarter. The widening gap between active and pending inventory signals that buyers in 75020 retain meaningful negotiating room, with little near-term indication of supply tightening.
Price per square foot in 75020 has compressed to roughly $149 during recent closings — about 12% below the Grayson County benchmark and down from around $162 over the trailing year. Closed sales are running roughly 89 days, nearly three weeks longer than the county median. Sellers are receiving approximately 91 cents on the dollar at closing, and none of the tracked sales closed above list price, based on MLS data for May 2026 closings in 75020. About four in ten closed transactions included seller concessions, averaging roughly $8,300 — a pattern consistent with buyers extracting meaningful terms across a wide range of price points.
Active inventory in 75020 holds at roughly 471 homes against just 72 pending — a ratio signaling continued absorption pressure near-term. Supply sits at over 14 months, a notch above the Grayson County average of around 13 months, with 75020 carrying proportionally more unsold stock relative to its transaction volume. Roughly 278 new listings entered the pipeline over the trailing three months, sustaining inflow as absorption remains slow. The pending-to-active ratio offers little indication of near-term tightening in this zip code.
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Market data last updated Oct 1, 2026, 6:00 AM CDT · Editorial updated Oct 9, 2026, 7:28 PM CDT
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