77401 — Harris County, Texas Market Snapshot
Housing market data for zip code 77401 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
51 sales in 2026 (year to date)
Median Sale Price
$1,326,500
Days to Sell
24
Homes Sold
51
Inventory
39
Sale-to-List
98.9%
New Listings
83
Price/SqFt
$340
Pending Sales
63
Jumbo Loan Likely Needed
The median home in 77401 at $1,326,500 exceeds the 2026 conforming loan limit of $832,750 by $493,750. 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
Homes in 77401 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 77401 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 77401 at $1,326,500 exceeds the 2026 conforming loan limit of $832,750 by $493,750. 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 77401 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 77401
To purchase the median home at $1,326,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,313.
Monthly Payment
$10,313
Income Required
$441,995
Principal & Interest
$8,173/mo
Down Payment (5%)
$66,325
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 77401.
Estimated Monthly Payment
$8,359
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 77401.
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