77327 — Liberty County, Texas Market Snapshot
Housing market data for zip code 77327 in Liberty County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
91 sales in 2026 (year to date)
Median Sale Price
$243,900
Days to Sell
95
Homes Sold
91
Inventory
268
Sale-to-List
93.1%
New Listings
163
Price/SqFt
$140
Pending Sales
115
Conforming Loan Available
Most homebuyers in 77327 can comfortably use conventional financing. The median home price of $243,900 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
With homes sitting for 95 days on average, 77327 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 77327 sells for 6.9% below asking price (93.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77327 can comfortably use conventional financing. The median home price of $243,900 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 77327 are set at the county level.
2026 Loan Limits — Liberty 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 77327
To purchase the median home at $243,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,019.
Monthly Payment
$2,019
Income Required
$86,515
Principal & Interest
$1,503/mo
Down Payment (5%)
$12,195
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 77327.
Estimated Monthly Payment
$1,659
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