77650 — Galveston County, Texas Market Snapshot
Housing market data for zip code 77650 in Galveston County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$422,500
Days to Sell
101
Homes Sold
56
Inventory
294
Sale-to-List
93.9%
New Listings
175
Price/SqFt
$303
Pending Sales
62
Conforming Loan Available
Most homebuyers in 77650 can comfortably use conventional financing. The median home price of $422,500 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 101 days on average, 77650 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 77650 sells for 6.1% below asking price (93.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77650 can comfortably use conventional financing. The median home price of $422,500 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 77650 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 77650
To purchase the median home at $422,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,387.
Monthly Payment
$3,387
Income Required
$145,160
Principal & Interest
$2,603/mo
Down Payment (5%)
$21,125
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 77650.
Estimated Monthly Payment
$2,765
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