77306 — Montgomery County, Texas Market Snapshot
Housing market data for zip code 77306 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
80 sales in 2026 (year to date)
Median Sale Price
$213,490
Days to Sell
47
Homes Sold
80
Inventory
98
Sale-to-List
88.8%
New Listings
94
Price/SqFt
$133
Pending Sales
85
Conforming Loan Available
Most homebuyers in 77306 can comfortably use conventional financing. The median home price of $213,490 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
77306's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77306 sells for 11.2% below asking price (88.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77306 can comfortably use conventional financing. The median home price of $213,490 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 77306 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 77306
To purchase the median home at $213,490 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,786.
Monthly Payment
$1,786
Income Required
$76,530
Principal & Interest
$1,315/mo
Down Payment (5%)
$10,675
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 77306.
Estimated Monthly Payment
$1,471
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