77630 — Orange County, Texas Market Snapshot
Housing market data for zip code 77630 in Orange County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
69 sales in 2026 (year to date)
Median Sale Price
$199,000
Days to Sell
77
Homes Sold
69
Inventory
114
Sale-to-List
100.1%
New Listings
92
Price/SqFt
$112
Pending Sales
84
Conforming Loan Available
Most homebuyers in 77630 can comfortably use conventional financing. The median home price of $199,000 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 77 days on average, 77630 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 77630 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77630 can comfortably use conventional financing. The median home price of $199,000 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 77630 are set at the county level.
2026 Loan Limits — Orange 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 77630
To purchase the median home at $199,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,675.
Monthly Payment
$1,675
Income Required
$71,772
Principal & Interest
$1,226/mo
Down Payment (5%)
$9,950
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 77630.
Estimated Monthly Payment
$1,382
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