77406 — Fort Bend County, Texas Market Snapshot
Housing market data for zip code 77406 in Fort Bend County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
319 sales in 2026 (year to date)
Median Sale Price
$420,000
Days to Sell
78
Homes Sold
319
Inventory
510
Sale-to-List
97.0%
New Listings
582
Price/SqFt
$172
Pending Sales
372
Conforming Loan Available
Most homebuyers in 77406 can comfortably use conventional financing. The median home price of $420,000 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 78 days on average, 77406 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 77406 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77406 can comfortably use conventional financing. The median home price of $420,000 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 77406 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 77406
To purchase the median home at $420,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,368.
Monthly Payment
$3,368
Income Required
$144,339
Principal & Interest
$2,588/mo
Down Payment (5%)
$21,000
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 77406.
Estimated Monthly Payment
$2,749
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 77406. Tell us what you're looking for.