ZIP 75098 vs ZIP 75069

75098 is one of 29 ZIP codes that lie mostly in Collin County, TX — 87% of its own area is in the county.

Shaded by typical home value, it ranks 20 of the 28 with a value.

20 school locations in 75098: 9 elementary, 6 middle, 4 high, 1 other.

In alphabetical order: 3RD H S, AB HARRISON INT, ACHIEVE ACADEMY, COLLIN CO J J A E P, and more on the ZIP page. Locations only — no ratings are shown here.

75069 is one of 29 ZIP codes that lie mostly in Collin County, TX.

Shaded by typical home value, it ranks 21 of the 28 with a value.

14 school locations in 75069: 6 elementary, 1 middle, 4 high, 3 other.

In alphabetical order: ALBERT & IOLA LEE DAVIS MALVERN EL, BURKS EL, CALDWELL EL, COLLIN CO J J A E P, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 75098 was worth $160,737.

Values peaked at $476,957 in July 2022. The latest reading is −13.0% from that peak.

As of August 2026: $415,098, −5.5% over twelve months.

Start with the typical home: $415,098. Put 20% down and borrow $332,078 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,299 a month in principal and interest.

The median household here earns $115,587 a year, $9,632 a month. So the payment takes 23.9% 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 9.2% 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 $962.

In December 2020, with rates at 2.68%, it was $1,048.

By August 2026, at 6.67%, it was $2,136 — +104% since December 2020, while the home's value moved +28%.

Reported values rose +158% 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 $317,231. So the real change is +31%, not +158%.

75098: +158% since January 2000.

Collin County: +150% since January 2000.

Texas: +160% since January 2000 — 75098 ran behind it by 2 points.

Against 1,763 Texas ZIP codes, 75098 sits at the 49th percentile for affordability (price vs local income).

6th for appreciation (recent value growth); 40th for rental yield (rent vs price).

Owning the typical home costs about $2,714 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,909 a month.

Price divided by a year's rent: 18.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 75069 was worth $149,940.

Values peaked at $463,330 in July 2022. The latest reading is −10.9% from that peak.

As of August 2026: $412,918, −4.2% over twelve months.

Start with the typical home: $412,918. Put 20% down and borrow $330,334 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,287 a month in principal and interest.

The median household here earns $82,804 a year, $6,900 a month. So the payment takes 33.1% of income — rated “stretched” (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 12.0% 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 $898.

In December 2020, with rates at 2.68%, it was $1,050.

By August 2026, at 6.67%, it was $2,124 — +102% since December 2020, while the home's value moved +27%.

Reported values rose +175% 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 $295,922. So the real change is +40%, not +175%.

75069: +175% since January 2000.

Collin County: +150% since January 2000.

Texas: +160% since January 2000 — 75069 ran ahead of it by 15 points.

Against 1,763 Texas ZIP codes, 75069 sits at the 17th percentile for affordability (price vs local income).

12th for appreciation (recent value growth); 29th for rental yield (rent vs price).

Owning the typical home costs about $2,700 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,523 a month.

Price divided by a year's rent: 22.6. 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 77% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 372. That is 140% of the 2015–2019 level for the same months.

Going out — closed sales: about 81 a month. That is 69% of the 2015–2019 level for the same months. The drain is drawn 49% narrower: the share of homes for sale that sell each month is 51% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.6 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 26 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 81 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 110 — so sales ran at 74% 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).

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 51 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: 157.

Going out — closed sales: about 39 a month. That is 80% of the 2015–2019 level for the same months. The drain is drawn 29% narrower: the share of homes for sale that sell each month is 71% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.0 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 39 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 42 — so sales ran at 93% of it, and below it in 8 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: 372 in June 2026.

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

County assessor records list 577 properties with a market value here. Their average assessed market value is $410,101; the typical home value is $415,098.

The assessor average sits −1.2% 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: 157 in June 2026.

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

County assessor records list 175 properties with a market value here. Their average assessed market value is $477,081; the typical home value is $412,918.

The assessor average sits +15.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.