77708 — Jefferson County, Texas Market Snapshot
Housing market data for zip code 77708 in Jefferson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$179,900
Days to Sell
54
Homes Sold
15
Inventory
21
Sale-to-List
98.3%
New Listings
28
Price/SqFt
$111
Pending Sales
22
Conforming Loan Available
Most homebuyers in 77708 can comfortably use conventional financing. The median home price of $179,900 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
77708's market is balanced with homes taking an average of 54 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 77708 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77708 can comfortably use conventional financing. The median home price of $179,900 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 77708 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 77708
To purchase the median home at $179,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,528.
Monthly Payment
$1,528
Income Required
$65,500
Principal & Interest
$1,108/mo
Down Payment (5%)
$8,995
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 77708.
Estimated Monthly Payment
$1,263
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