Collin County home prices, fall 2026: what sellers should know
Updated Nov 5, 2026; market data for September 2026 from Realtor.com; mortgage rates as of Nov 5, 2026 (Freddie Mac). By Hilda Avila, REALTOR®, Ebby Halliday Real Estate, LLC.
Short answer: Collin County home prices have eased. Realtor.com reports a September 2026 median sold price of $456,250, down 8.75% from a year earlier, and a median of 65 days on market. Freddie Mac’s 30-year mortgage rate averaged 7.18% on Nov 5, 2026. Pricing and preparation matter more for sellers now.
Collin County at a glance: September 2026
According to Realtor.com’s September 2026 data for Collin County:
- Median sold price: $456,250, down 8.75% from a year earlier
- Median list price: $517,500
- Median days on market: 65 days
- Active listings: about 13,445 homes for sale
Source: Realtor.com, Collin County housing market, September 2026.
Two things stand out. First, the median sold price sits well below the median list price. Part of that gap reflects the different mix of homes that are listed and homes that actually close, but it is also a reminder that asking prices and selling prices are not the same thing. Second, with more than 13,000 homes on the market and a median of 65 days to sell, buyers have options and can take their time comparing.
What mortgage rates mean for buyers, and for you
Freddie Mac’s Primary Mortgage Market Survey put the average 30-year fixed rate at 7.18% for the week of Nov 5, 2026, compared with 6.22% a year earlier. The 15-year fixed averaged 6.57%. (Source: Freddie Mac PMMS, Nov 5, 2026.)
Higher rates raise the monthly payment on the same purchase price, so many buyers are working with tighter budgets. For sellers, that usually shows up as more careful offers, more attention to condition, and more questions about closing costs and repairs. A home that is priced in line with recent nearby sales and shows well tends to stand out in that environment. For a step-by-step look at pricing from sold comps, see pricing your home in a buyer’s market.
How Frisco and McKinney compare
City numbers can differ quite a bit from the county as a whole. Here is what Realtor.com reported for September 2026 in two of the larger Collin County cities:
- Frisco: median sold price $592,562, down 8.44% from a year earlier; median list price $699,000; median 65 days on market; 695 active listings, up 10.37% from a year earlier. Homes sold for about 4.57% below asking on average.
- McKinney: median sold price $448,862, down 10.23% from a year earlier; median list price $525,681; median 65 days on market; 2,465 active listings, down 6.04% from a year earlier.
Sources: Realtor.com, Frisco and McKinney housing markets, September 2026.
Even within one city, prices vary by neighborhood, home age, size and updates. That is why a comparative market analysis (CMA) built from sales near your home is more useful than any county or city median. If you are in one of these areas, you can start with the Frisco home value, McKinney home value, Plano home value or Allen home value page.
Why homeowners are selling
National survey data offers some context on why people move. In the National Association of REALTORS® 2025 Profile of Home Buyers and Sellers, the most common reason sellers gave was wanting to move closer to friends or family (26%). Another 10% said their home was too small, and 10% said it was too large. The typical seller had owned their home for 11 years before selling. (Source: NAR 2025 Profile of Home Buyers and Sellers, Nov 2025.)
Whatever your reason, the practical questions are usually the same: what your home is likely to sell for, how long it may take, and what to do first.
What sellers can do this fall
- Start with a realistic price. Base it on recent comparable sales near you, not on list prices or online estimates alone.
- Plan for a longer timeline. With a 65-day county median, build some flexibility into your moving plans.
- Prepare the home. Small repairs, a deep clean and good photos help buyers compare your home favorably with the others they are seeing.
- Think through terms. Buyers watching their monthly payment may ask about repairs or closing costs. Decide ahead of time what matters most to you.
The seller readiness checklist walks through preparation step by step, and the sellers page explains how Hilda markets homes. For more local context, read the Frisco housing market update, the 2026 property tax rates by city and what the new H-E-B and Costco stores mean in Prosper and Celina.
Frequently asked questions
Are Collin County home prices going down?
In September 2026, the median sold price in Collin County was $456,250, down 8.75% from a year earlier, according to Realtor.com. The median list price was $517,500. Prices vary by city and neighborhood, so a comparative market analysis based on nearby sales gives a clearer picture for a specific home.
How long does it take to sell a home in Collin County right now?
Realtor.com reported a median of 65 days on market for Collin County in September 2026, with about 13,445 homes for sale. In Frisco and McKinney the median was also 65 days.
What are mortgage rates this fall?
Freddie Mac’s survey put the average 30-year fixed mortgage rate at 7.18% for the week of Nov 5, 2026, up from 6.22% a year earlier. The 15-year fixed averaged 6.57%.
How can I find out what my home is worth?
Request a free comparative market analysis (CMA) from Hilda Avila, REALTOR® with Ebby Halliday Real Estate, LLC. A CMA uses recent comparable sales near your home and is informational, not an appraisal.
Get a price range for your home
County and city medians are a starting point. To see where your own home fits, request a free, no-obligation home value estimate. Hilda Avila, REALTOR® with Ebby Halliday Real Estate, LLC, prepares each comparative market analysis personally, in English or Spanish. A CMA is a market opinion, not an appraisal.
Data updated Oct 24, 2026. Sources: Realtor.com housing market data for Collin County, Frisco and McKinney (September 2026); Freddie Mac Primary Mortgage Market Survey (Nov 5, 2026); National Association of REALTORS® 2025 Profile of Home Buyers and Sellers. Figures change monthly; contact Hilda for current numbers.