77489 — Fort Bend County, Texas Market Snapshot
Housing market data for zip code 77489 in Fort Bend County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$244,500
Days to Sell
41
Homes Sold
66
Inventory
90
Sale-to-List
97.5%
New Listings
112
Price/SqFt
$135
Pending Sales
88
Conforming Loan Available
Most homebuyers in 77489 can comfortably use conventional financing. The median home price of $244,500 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
77489's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77489 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77489 can comfortably use conventional financing. The median home price of $244,500 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 77489 are set at the county level.
2026 Loan Limits — Fort Bend 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 77489
To purchase the median home at $244,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,023.
Monthly Payment
$2,023
Income Required
$86,712
Principal & Interest
$1,507/mo
Down Payment (5%)
$12,225
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 77489.
Estimated Monthly Payment
$1,663
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