77510 — Galveston County, Texas Market Snapshot
Housing market data for zip code 77510 in Galveston County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
71 sales in 2026 (year to date)
Median Sale Price
$339,990
Days to Sell
87
Homes Sold
71
Inventory
73
Sale-to-List
97.1%
New Listings
87
Price/SqFt
$168
Pending Sales
76
Conforming Loan Available
Most homebuyers in 77510 can comfortably use conventional financing. The median home price of $339,990 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 87 days on average, 77510 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 77510 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77510 can comfortably use conventional financing. The median home price of $339,990 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 77510 are set at the county level.
2026 Loan Limits — Galveston 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 77510
To purchase the median home at $339,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,755.
Monthly Payment
$2,755
Income Required
$118,067
Principal & Interest
$2,095/mo
Down Payment (5%)
$17,000
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 77510.
Estimated Monthly Payment
$2,254
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