77568 — Galveston County, Texas Market Snapshot
Housing market data for zip code 77568 in Galveston County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
156 sales in 2026 (year to date)
Median Sale Price
$270,000
Days to Sell
76
Homes Sold
156
Inventory
201
Sale-to-List
95.5%
New Listings
204
Price/SqFt
$145
Pending Sales
188
Conforming Loan Available
Most homebuyers in 77568 can comfortably use conventional financing. The median home price of $270,000 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 76 days on average, 77568 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 77568 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77568 can comfortably use conventional financing. The median home price of $270,000 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 77568 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 77568
To purchase the median home at $270,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,219.
Monthly Payment
$2,219
Income Required
$95,085
Principal & Interest
$1,664/mo
Down Payment (5%)
$13,500
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 77568.
Estimated Monthly Payment
$1,821
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