77486 — Brazoria County, Texas Market Snapshot
Housing market data for zip code 77486 in Brazoria County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$296,445
Days to Sell
91
Homes Sold
34
Inventory
54
Sale-to-List
97.8%
New Listings
46
Price/SqFt
$153
Pending Sales
38
Conforming Loan Available
Most homebuyers in 77486 can comfortably use conventional financing. The median home price of $296,445 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 91 days on average, 77486 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 77486 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77486 can comfortably use conventional financing. The median home price of $296,445 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 77486 are set at the county level.
2026 Loan Limits — Brazoria 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 77486
To purchase the median home at $296,445 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,421.
Monthly Payment
$2,421
Income Required
$103,769
Principal & Interest
$1,827/mo
Down Payment (5%)
$14,822
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 77486.
Estimated Monthly Payment
$1,985
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