77355 — Montgomery County, Texas Market Snapshot
Housing market data for zip code 77355 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
200 sales in 2026 (year to date)
Median Sale Price
$310,500
Days to Sell
73
Homes Sold
200
Inventory
200
Sale-to-List
95.5%
New Listings
254
Price/SqFt
$161
Pending Sales
211
Conforming Loan Available
Most homebuyers in 77355 can comfortably use conventional financing. The median home price of $310,500 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 73 days on average, 77355 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 77355 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77355 can comfortably use conventional financing. The median home price of $310,500 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 77355 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 77355
To purchase the median home at $310,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,529.
Monthly Payment
$2,529
Income Required
$108,384
Principal & Interest
$1,913/mo
Down Payment (5%)
$15,525
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 77355.
Estimated Monthly Payment
$2,072
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