77545 — Fort Bend County, Texas Market Snapshot
Housing market data for zip code 77545 in Fort Bend County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$306,750
Days to Sell
73
Homes Sold
64
Inventory
70
Sale-to-List
98.4%
New Listings
91
Price/SqFt
$136
Pending Sales
75
Conforming Loan Available
Most homebuyers in 77545 can comfortably use conventional financing. The median home price of $306,750 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 73 days on average, 77545 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
Homes are selling very close to asking price in 77545 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77545 can comfortably use conventional financing. The median home price of $306,750 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 77545 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 77545
To purchase the median home at $306,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,500.
Monthly Payment
$2,500
Income Required
$107,152
Principal & Interest
$1,890/mo
Down Payment (5%)
$15,338
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 77545.
Estimated Monthly Payment
$2,048
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