77845 — Brazos County, Texas Market Snapshot
Housing market data for zip code 77845 in Brazos County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
308 sales in 2026 (year to date)
Median Sale Price
$369,900
Days to Sell
55
Homes Sold
308
Inventory
391
Sale-to-List
98.5%
New Listings
475
Price/SqFt
$197
Pending Sales
375
Conforming Loan Available
Most homebuyers in 77845 can comfortably use conventional financing. The median home price of $369,900 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
77845's market is balanced with homes taking an average of 55 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 77845 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77845 can comfortably use conventional financing. The median home price of $369,900 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 77845 are set at the county level.
2026 Loan Limits — Brazos 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 77845
To purchase the median home at $369,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,984.
Monthly Payment
$2,984
Income Required
$127,888
Principal & Interest
$2,279/mo
Down Payment (5%)
$18,495
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 77845.
Estimated Monthly Payment
$2,439
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