77514 — Chambers County, Texas Market Snapshot
Housing market data for zip code 77514 in Chambers County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$287,500
Days to Sell
93
Homes Sold
22
Inventory
17
Sale-to-List
97.0%
New Listings
27
Price/SqFt
$158
Pending Sales
32
Conforming Loan Available
Most homebuyers in 77514 can comfortably use conventional financing. The median home price of $287,500 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 93 days on average, 77514 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 77514 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77514 can comfortably use conventional financing. The median home price of $287,500 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 77514 are set at the county level.
2026 Loan Limits — Chambers 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 77514
To purchase the median home at $287,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,353.
Monthly Payment
$2,353
Income Required
$100,831
Principal & Interest
$1,771/mo
Down Payment (5%)
$14,375
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 77514.
Estimated Monthly Payment
$1,929
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