77518 — Galveston County, Texas Market Snapshot
Housing market data for zip code 77518 in Galveston County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$182,500
Days to Sell
50
Homes Sold
17
Inventory
38
Sale-to-List
92.7%
New Listings
37
Price/SqFt
$135
Pending Sales
22
Conforming Loan Available
Most homebuyers in 77518 can comfortably use conventional financing. The median home price of $182,500 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
77518's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77518 sells for 7.3% below asking price (92.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77518 can comfortably use conventional financing. The median home price of $182,500 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 77518 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 77518
To purchase the median home at $182,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,548.
Monthly Payment
$1,548
Income Required
$66,354
Principal & Interest
$1,125/mo
Down Payment (5%)
$9,125
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 77518.
Estimated Monthly Payment
$1,279
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