77086 — Harris County, Texas Market Snapshot
Housing market data for zip code 77086 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$225,500
Days to Sell
48
Homes Sold
22
Inventory
32
Sale-to-List
97.9%
New Listings
37
Price/SqFt
$134
Pending Sales
26
Conforming Loan Available
Most homebuyers in 77086 can comfortably use conventional financing. The median home price of $225,500 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
77086's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77086 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77086 can comfortably use conventional financing. The median home price of $225,500 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 77086 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 77086
To purchase the median home at $225,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,878.
Monthly Payment
$1,878
Income Required
$80,473
Principal & Interest
$1,389/mo
Down Payment (5%)
$11,275
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 77086.
Estimated Monthly Payment
$1,546
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 77086. Tell us what you're looking for.