77031 — Fort Bend County, Texas Market Snapshot
Housing market data for zip code 77031 in Fort Bend County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$267,500
Days to Sell
32
Homes Sold
14
Inventory
29
Sale-to-List
93.9%
New Listings
32
Price/SqFt
$130
Pending Sales
24
Conforming Loan Available
Most homebuyers in 77031 can comfortably use conventional financing. The median home price of $267,500 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
77031's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77031 sells for 6.1% below asking price (93.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77031 can comfortably use conventional financing. The median home price of $267,500 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 77031 are set at the county level.
2026 Loan Limits — Fort Bend 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 77031
To purchase the median home at $267,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,200.
Monthly Payment
$2,200
Income Required
$94,264
Principal & Interest
$1,648/mo
Down Payment (5%)
$13,375
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 77031.
Estimated Monthly Payment
$1,806
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