77362 — Montgomery County, Texas Market Snapshot
Housing market data for zip code 77362 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$398,999
Days to Sell
53
Homes Sold
35
Inventory
56
Sale-to-List
98.5%
New Listings
67
Price/SqFt
$167
Pending Sales
41
Conforming Loan Available
Most homebuyers in 77362 can comfortably use conventional financing. The median home price of $398,999 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
77362's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 77362 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77362 can comfortably use conventional financing. The median home price of $398,999 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 77362 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 77362
To purchase the median home at $398,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,207.
Monthly Payment
$3,207
Income Required
$137,443
Principal & Interest
$2,459/mo
Down Payment (5%)
$19,950
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 77362.
Estimated Monthly Payment
$2,619
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