77982 — Calhoun County, Texas Market Snapshot
Housing market data for zip code 77982 in Calhoun County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$354,950
Days to Sell
233
Homes Sold
10
Inventory
59
Sale-to-List
90.7%
New Listings
30
Price/SqFt
$248
Pending Sales
16
Conforming Loan Available
Most homebuyers in 77982 can comfortably use conventional financing. The median home price of $354,950 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 233 days on average, 77982 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 77982 sells for 9.3% below asking price (90.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77982 can comfortably use conventional financing. The median home price of $354,950 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 77982 are set at the county level.
2026 Loan Limits — Calhoun County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 77982
To purchase the median home at $354,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,870.
Monthly Payment
$2,870
Income Required
$122,979
Principal & Interest
$2,187/mo
Down Payment (5%)
$17,748
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 77982.
Estimated Monthly Payment
$2,347
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