77565 — Galveston County, Texas Market Snapshot
Housing market data for zip code 77565 in Galveston County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$337,010
Days to Sell
132
Homes Sold
54
Inventory
59
Sale-to-List
98.0%
New Listings
59
Price/SqFt
$170
Pending Sales
58
Conforming Loan Available
Most homebuyers in 77565 can comfortably use conventional financing. The median home price of $337,010 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 132 days on average, 77565 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 77565 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77565 can comfortably use conventional financing. The median home price of $337,010 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 77565 are set at the county level.
2026 Loan Limits — Galveston 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 77565
To purchase the median home at $337,010 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,732.
Monthly Payment
$2,732
Income Required
$117,089
Principal & Interest
$2,077/mo
Down Payment (5%)
$16,851
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 77565.
Estimated Monthly Payment
$2,236
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 77565. Tell us what you're looking for.