77320 — Walker County, Texas Market Snapshot
Housing market data for zip code 77320 in Walker County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
58 sales in 2026 (year to date)
Median Sale Price
$238,700
Days to Sell
85
Homes Sold
58
Inventory
78
Sale-to-List
95.4%
New Listings
68
Price/SqFt
$154
Pending Sales
59
Conforming Loan Available
Most homebuyers in 77320 can comfortably use conventional financing. The median home price of $238,700 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 85 days on average, 77320 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 77320 sells for 4.6% below asking price (95.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77320 can comfortably use conventional financing. The median home price of $238,700 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 77320 are set at the county level.
2026 Loan Limits — Walker 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 77320
To purchase the median home at $238,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,979.
Monthly Payment
$1,979
Income Required
$84,807
Principal & Interest
$1,471/mo
Down Payment (5%)
$11,935
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 77320.
Estimated Monthly Payment
$1,627
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