77005 — Harris County, Texas Market Snapshot
Housing market data for zip code 77005 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
67 sales in 2026 (year to date)
Median Sale Price
$2,150,000
Days to Sell
14
Homes Sold
67
Inventory
44
Sale-to-List
100.3%
New Listings
92
Price/SqFt
$525
Pending Sales
74
Jumbo Loan Likely Needed
The median home in 77005 at $2,150,000 exceeds the 2026 conforming loan limit of $832,750 by $1,317,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 77005 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 77005 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 77005 at $2,150,000 exceeds the 2026 conforming loan limit of $832,750 by $1,317,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 77005 are set at the county level.
2026 Loan Limits — Harris 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 77005
To purchase the median home at $2,150,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $16,623.
Monthly Payment
$16,623
Income Required
$712,398
Principal & Interest
$13,248/mo
Down Payment (5%)
$107,500
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 77005.
Estimated Monthly Payment
$13,456
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 77005.
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