77504 — Harris County, Texas Market Snapshot
Housing market data for zip code 77504 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$300,000
Days to Sell
29
Homes Sold
27
Inventory
20
Sale-to-List
95.7%
New Listings
30
Price/SqFt
$156
Pending Sales
27
Conforming Loan Available
Most homebuyers in 77504 can comfortably use conventional financing. The median home price of $300,000 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
Homes in 77504 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 77504 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77504 can comfortably use conventional financing. The median home price of $300,000 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 77504 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 77504
To purchase the median home at $300,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,449.
Monthly Payment
$2,449
Income Required
$104,936
Principal & Interest
$1,849/mo
Down Payment (5%)
$15,000
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 77504.
Estimated Monthly Payment
$2,007
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