77586 — Harris County, Texas Market Snapshot
Housing market data for zip code 77586 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
96 sales in 2026 (year to date)
Median Sale Price
$343,538
Days to Sell
56
Homes Sold
96
Inventory
148
Sale-to-List
96.8%
New Listings
154
Price/SqFt
$152
Pending Sales
122
Conforming Loan Available
Most homebuyers in 77586 can comfortably use conventional financing. The median home price of $343,538 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
77586's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77586 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77586 can comfortably use conventional financing. The median home price of $343,538 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 77586 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 77586
To purchase the median home at $343,538 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,782.
Monthly Payment
$2,782
Income Required
$119,232
Principal & Interest
$2,117/mo
Down Payment (5%)
$17,177
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 77586.
Estimated Monthly Payment
$2,276
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