77301 — Montgomery County, Texas Market Snapshot

Housing market data for zip code 77301 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.

Data as of May 2026

Market Sales Data

154 sales in 2026 (year to date)

Source: Redfin

Median Sale Price

$274,995

1.9% YoYClosed sales

Days to Sell

136

Median, listing to close

Homes Sold

154

Closed in 2026

Inventory

169

Sale-to-List

98.4%

New Listings

173

Price/SqFt

$137

Pending Sales

163

Conforming Loan Available

Most homebuyers in 77301 can comfortably use conventional financing. The median home price of $274,995 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 136 days on average, 77301 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

Homes are selling very close to asking price in 77301 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.

Conforming Loan Feasibility

Most homebuyers in 77301 can comfortably use conventional financing. The median home price of $274,995 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 77301 are set at the county level.

2026 Loan Limits — Montgomery 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 77301

To purchase the median home at $274,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,257.

Monthly Payment

$2,257

Income Required

$96,725

Principal & Interest

$1,694/mo

Down Payment (5%)

$13,750

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 77301.

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Estimated Monthly Payment

$1,852

Principal & Interest$1,427
Property Tax$275
Insurance$150
Loan Amount$219,996
Total Interest$293,684
Income Required$79,367/yr

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