77303 — Montgomery County, Texas Market Snapshot
Housing market data for zip code 77303 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
179 sales in 2026 (year to date)
Median Sale Price
$255,000
Days to Sell
79
Homes Sold
179
Inventory
234
Sale-to-List
94.3%
New Listings
248
Price/SqFt
$147
Pending Sales
193
Conforming Loan Available
Most homebuyers in 77303 can comfortably use conventional financing. The median home price of $255,000 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 79 days on average, 77303 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 77303 sells for 5.7% below asking price (94.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77303 can comfortably use conventional financing. The median home price of $255,000 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 77303 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 77303
To purchase the median home at $255,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,104.
Monthly Payment
$2,104
Income Required
$90,160
Principal & Interest
$1,571/mo
Down Payment (5%)
$12,750
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 77303.
Estimated Monthly Payment
$1,728
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