ZIP 75098

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.

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.

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).

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.