77079 — Harris County, Texas Market Snapshot
Housing market data for zip code 77079 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
75 sales in 2026 (year to date)
Median Sale Price
$1,050,000
Days to Sell
7
Homes Sold
75
Inventory
48
Sale-to-List
101.2%
New Listings
126
Price/SqFt
$362
Pending Sales
95
Jumbo Loan Likely Needed
The median home in 77079 at $1,050,000 exceeds the 2026 conforming loan limit of $832,750 by $217,250. 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
77079 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 77079 (101.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 77079 at $1,050,000 exceeds the 2026 conforming loan limit of $832,750 by $217,250. 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 77079 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 77079
To purchase the median home at $1,050,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,195.
Monthly Payment
$8,195
Income Required
$351,204
Principal & Interest
$6,470/mo
Down Payment (5%)
$52,500
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 77079.
Estimated Monthly Payment
$6,648
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 77079.
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