77021 — Harris County, Texas Market Snapshot
Housing market data for zip code 77021 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$474,950
Days to Sell
54
Homes Sold
10
Inventory
16
Sale-to-List
98.4%
New Listings
12
Price/SqFt
$180
Pending Sales
7
Conforming Loan Available
Most homebuyers in 77021 can comfortably use conventional financing. The median home price of $474,950 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
77021's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 77021 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77021 can comfortably use conventional financing. The median home price of $474,950 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 77021 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 77021
To purchase the median home at $474,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,789.
Monthly Payment
$3,789
Income Required
$162,382
Principal & Interest
$2,926/mo
Down Payment (5%)
$23,748
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 77021.
Estimated Monthly Payment
$3,089
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 77021. Tell us what you're looking for.