77706 — Jefferson County, Texas Market Snapshot
Housing market data for zip code 77706 in Jefferson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
112 sales in 2026 (year to date)
Median Sale Price
$279,450
Days to Sell
33
Homes Sold
112
Inventory
127
Sale-to-List
97.9%
New Listings
160
Price/SqFt
$127
Pending Sales
135
Conforming Loan Available
Most homebuyers in 77706 can comfortably use conventional financing. The median home price of $279,450 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
77706's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77706 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 77706 can comfortably use conventional financing. The median home price of $279,450 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 77706 are set at the county level.
2026 Loan Limits — Jefferson 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 77706
To purchase the median home at $279,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,291.
Monthly Payment
$2,291
Income Required
$98,188
Principal & Interest
$1,722/mo
Down Payment (5%)
$13,973
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 77706.
Estimated Monthly Payment
$1,879
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