ZIP 75078 vs ZIP 75093

75078 is one of 29 ZIP codes that lie mostly in Collin County, TX — 70% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 28 with a value.

20 school locations in 75078: 9 elementary, 4 middle, 2 high, 5 other.

In alphabetical order: BRENDA CALHOUN EARLY CHILDHOOD SCHOOL, CHUCK AND CINDY STUBER EL, CYNTHIA A COCKRELL EL, DAN CHRISTIE EL, and more on the ZIP page. Locations only — no ratings are shown here.

75093 is one of 29 ZIP codes that lie mostly in Collin County, TX — 90% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 28 with a value.

11 school locations in 75093: 8 elementary, 1 middle, 2 high.

In alphabetical order: BARKSDALE EL, BEATY EARLY CHILDHOOD SCHOOL, BRINKER EL, CENTENNIAL EL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 75078 was worth $268,742.

Values peaked at $842,501 in July 2022. The latest reading is −13.0% from that peak.

As of August 2026: $732,560, −5.9% over twelve months.

Start with the typical home: $732,560. Put 20% down and borrow $586,048 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,058 a month in principal and interest.

The median household here earns $187,634 a year, $15,636 a month. So the payment takes 26.0% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 9.5% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,609.

In December 2020, with rates at 2.68%, it was $1,633.

By August 2026, at 6.67%, it was $3,769 — +131% since December 2020, while the home's value moved +45%.

Reported values rose +173% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $530,390. So the real change is +38%, not +173%.

75078: +173% since January 2000.

Collin County: +150% since January 2000.

Texas: +160% since January 2000 — 75078 ran ahead of it by 12 points.

Against 1,763 Texas ZIP codes, 75078 sits at the 38th percentile for affordability (price vs local income).

5th for appreciation (recent value growth); 13th for rental yield (rent vs price).

Owning the typical home costs about $4,790 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,011 a month.

Price divided by a year's rent: 30.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 75093 was worth $295,511.

Values peaked at $768,397 in June 2024. The latest reading is −4.7% from that peak.

As of August 2026: $732,354, −1.6% over twelve months.

Start with the typical home: $732,354. Put 20% down and borrow $585,883 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,057 a month in principal and interest.

The median household here earns $121,226 a year, $10,102 a month. So the payment takes 40.2% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 16.2% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,769.

In December 2020, with rates at 2.68%, it was $1,663.

By August 2026, at 6.67%, it was $3,768 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +148% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $583,221. So the real change is +26%, not +148%.

75093: +148% since January 2000.

Collin County: +150% since January 2000.

Texas: +160% since January 2000 — 75093 ran behind it by 13 points.

Against 1,763 Texas ZIP codes, 75093 sits at the 8th percentile for affordability (price vs local income).

35th for appreciation (recent value growth); 4th for rental yield (rent vs price).

Owning the typical home costs about $4,789 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,715 a month.

Price divided by a year's rent: 35.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 107 a month (Redfin, 3-month rolling data through August 2026). That is 87% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 518. That is 129% of the 2015–2019 level for the same months.

Going out — closed sales: about 93 a month. That is 90% of the 2015–2019 level for the same months. The drain is drawn 30% narrower: the share of homes for sale that sell each month is 70% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.6 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 93 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 83 — so sales ran at 112% of it, and below it in 12 of the last 24 months.

Across Collin County, builders pulled permits for 19,082 new homes in 2025.

Of those, 58% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 44 a month (Redfin, 3-month rolling data through August 2026). That is 56% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 109. That is 57% of the 2015–2019 level for the same months.

Going out — closed sales: about 44 a month. That is 65% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.5 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 44 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 51 — so sales ran at 86% of it, and below it in 24 of the last 24 months.

Across Collin County, builders pulled permits for 19,082 new homes in 2025.

Of those, 58% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Collin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 26,739 moved in. Among the ten receiving the most, 24,810 moved out.

Net across those counties: +1,929 households. Beside it, homes for sale in this ZIP: 518 in June 2026.

Most arrivals came from Dallas, TX (12,881 households); most departures went to Dallas, TX (9,550).

County assessor records list 263 properties with a market value here. Their average assessed market value is $790,158; the typical home value is $732,560.

The assessor average sits +7.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Collin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 26,739 moved in. Among the ten receiving the most, 24,810 moved out.

Net across those counties: +1,929 households. Beside it, homes for sale in this ZIP: 109 in June 2026.

Most arrivals came from Dallas, TX (12,881 households); most departures went to Dallas, TX (9,550).

County assessor records list 113 properties with a market value here. Their average assessed market value is $561,465; the typical home value is $732,354.

The assessor average sits −23.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.