ZIP 75407 vs ZIP 75442

75407 is one of 29 ZIP codes that lie mostly in Collin County, TX.

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

15 school locations in 75407: 7 elementary, 2 middle, 5 high, 1 other.

In alphabetical order: CANUP EARLY CHILDHOOD, CLARK MIDDLE, COLLIN CO J J A E P, GODWIN EL, and more on the ZIP page. Locations only — no ratings are shown here.

75442 is one of 29 ZIP codes that lie mostly in Collin County, TX — 84% of its own area is in the county.

Shaded by typical home value, it ranks 27 of the 28 with a value.

7 school locations in 75442: 1 elementary, 3 middle, 3 high.

In alphabetical order: BLAND H S, COLLIN CO J J A E P, FARMERSVILLE H S, FARMERSVILLE INT, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 75407 was worth $126,633.

Values peaked at $380,212 in August 2022. The latest reading is −25.7% from that peak.

As of August 2026: $282,653, −10.2% over twelve months.

Start with the typical home: $282,653. Put 20% down and borrow $226,122 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,566 a month in principal and interest.

The median household here earns $92,076 a year, $7,673 a month. So the payment takes 20.4% 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 9.1% 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 $758.

In December 2020, with rates at 2.68%, it was $822.

By August 2026, at 6.67%, it was $1,454 — +77% since December 2020, while the home's value moved +11%.

Reported values rose +123% 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 $249,923. So the real change is +13%, not +123%.

75407: +123% since January 2000.

Collin County: +150% since January 2000.

Texas: +160% since January 2000 — 75407 ran behind it by 37 points.

Against 1,763 Texas ZIP codes, 75407 sits at the 70th percentile for affordability (price vs local income).

1st for appreciation (recent value growth); 79th for rental yield (rent vs price).

Owning the typical home costs about $1,848 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,977 a month.

Price divided by a year's rent: 11.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 75442 was worth $115,262.

Values peaked at $378,411 in July 2022. The latest reading is −11.8% from that peak.

As of August 2026: $333,650, −4.1% over twelve months.

Start with the typical home: $333,650. Put 20% down and borrow $266,920 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,848 a month in principal and interest.

The median household here earns $84,591 a year, $7,049 a month. So the payment takes 26.2% 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 9.1% 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 $690.

In December 2020, with rates at 2.68%, it was $860.

By August 2026, at 6.67%, it was $1,717 — +100% since December 2020, while the home's value moved +26%.

Reported values rose +189% 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 $227,481. So the real change is +47%, not +189%.

75442: +190% since January 2000.

Collin County: +150% since January 2000.

Texas: +160% since January 2000 — 75442 ran ahead of it by 29 points.

Against 1,763 Texas ZIP codes, 75442 sits at the 38th percentile for affordability (price vs local income).

12th for appreciation (recent value growth); 43rd for rental yield (rent vs price).

Owning the typical home costs about $2,182 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,572 a month.

Price divided by a year's rent: 17.7. 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 181 a month (Redfin, 3-month rolling data through August 2026). That is 336% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 524.

Going out — closed sales: about 159 a month. That is 359% of the 2015–2019 level for the same months. The drain is drawn 40% narrower: the share of homes for sale that sell each month is 60% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.3 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 22 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 159 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 39 — so sales ran at 408% of it, and below it in 0 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 35 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 185.

Going out — closed sales: about 37 a month. The drain is drawn 45% narrower: the share of homes for sale that sell each month is 55% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.0 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 2 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 37 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 336% of it, and below it in 0 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: 524 in June 2026.

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

County assessor records list 210 properties with a market value here. Their average assessed market value is $321,386; the typical home value is $282,653.

The assessor average sits +13.7% 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: 185 in June 2026.

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

County assessor records list 236 properties with a market value here. Their average assessed market value is $312,604; the typical home value is $333,650.

The assessor average sits −6.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.