77075 — Harris County, Texas Market Snapshot
Housing market data for zip code 77075 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
42 sales in 2026 (year to date)
Median Sale Price
$265,500
Days to Sell
41
Homes Sold
42
Inventory
53
Sale-to-List
96.8%
New Listings
67
Price/SqFt
$149
Pending Sales
62
Conforming Loan Available
Most homebuyers in 77075 can comfortably use conventional financing. The median home price of $265,500 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
77075's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77075 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77075 can comfortably use conventional financing. The median home price of $265,500 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 77075 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 77075
To purchase the median home at $265,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,184.
Monthly Payment
$2,184
Income Required
$93,608
Principal & Interest
$1,636/mo
Down Payment (5%)
$13,275
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 77075.
Estimated Monthly Payment
$1,793
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