77563 — Galveston County, Texas Market Snapshot
Housing market data for zip code 77563 in Galveston County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
51 sales in 2026 (year to date)
Median Sale Price
$362,000
Days to Sell
60
Homes Sold
51
Inventory
94
Sale-to-List
98.1%
New Listings
68
Price/SqFt
$208
Pending Sales
58
Conforming Loan Available
Most homebuyers in 77563 can comfortably use conventional financing. The median home price of $362,000 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 60 days on average, 77563 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
Homes are selling very close to asking price in 77563 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77563 can comfortably use conventional financing. The median home price of $362,000 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 77563 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 77563
To purchase the median home at $362,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,924.
Monthly Payment
$2,924
Income Required
$125,294
Principal & Interest
$2,231/mo
Down Payment (5%)
$18,100
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 77563.
Estimated Monthly Payment
$2,390
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