77346 — Harris County, Texas Market Snapshot
Housing market data for zip code 77346 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
277 sales in 2026 (year to date)
Median Sale Price
$310,000
Days to Sell
58
Homes Sold
277
Inventory
315
Sale-to-List
98.3%
New Listings
390
Price/SqFt
$135
Pending Sales
331
Conforming Loan Available
Most homebuyers in 77346 can comfortably use conventional financing. The median home price of $310,000 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
77346's market is balanced with homes taking an average of 58 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 77346 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77346 can comfortably use conventional financing. The median home price of $310,000 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 77346 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 77346
To purchase the median home at $310,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,525.
Monthly Payment
$2,525
Income Required
$108,219
Principal & Interest
$1,910/mo
Down Payment (5%)
$15,500
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 77346.
Estimated Monthly Payment
$2,069
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