77539 — Galveston County, Texas Market Snapshot
Housing market data for zip code 77539 in Galveston County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
138 sales in 2026 (year to date)
Median Sale Price
$299,949
Days to Sell
57
Homes Sold
138
Inventory
216
Sale-to-List
98.0%
New Listings
239
Price/SqFt
$158
Pending Sales
165
Conforming Loan Available
Most homebuyers in 77539 can comfortably use conventional financing. The median home price of $299,949 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
77539's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77539 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77539 can comfortably use conventional financing. The median home price of $299,949 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 77539 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 77539
To purchase the median home at $299,949 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,448.
Monthly Payment
$2,448
Income Required
$104,919
Principal & Interest
$1,848/mo
Down Payment (5%)
$14,997
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 77539.
Estimated Monthly Payment
$2,006
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