77414 — Matagorda County, Texas Market Snapshot
Housing market data for zip code 77414 in Matagorda County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
74 sales in 2026 (year to date)
Median Sale Price
$235,250
Days to Sell
83
Homes Sold
74
Inventory
177
Sale-to-List
92.0%
New Listings
125
Price/SqFt
$131
Pending Sales
81
Conforming Loan Available
Most homebuyers in 77414 can comfortably use conventional financing. The median home price of $235,250 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 83 days on average, 77414 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 77414 sells for 8.0% below asking price (92.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77414 can comfortably use conventional financing. The median home price of $235,250 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 77414 are set at the county level.
2026 Loan Limits — Matagorda 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 77414
To purchase the median home at $235,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,952.
Monthly Payment
$1,952
Income Required
$83,675
Principal & Interest
$1,450/mo
Down Payment (5%)
$11,763
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 77414.
Estimated Monthly Payment
$1,606
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