77657 — Hardin County, Texas Market Snapshot
Housing market data for zip code 77657 in Hardin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
84 sales in 2026 (year to date)
Median Sale Price
$340,025
Days to Sell
39
Homes Sold
84
Inventory
86
Sale-to-List
98.7%
New Listings
112
Price/SqFt
$169
Pending Sales
92
Conforming Loan Available
Most homebuyers in 77657 can comfortably use conventional financing. The median home price of $340,025 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
77657's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 77657 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77657 can comfortably use conventional financing. The median home price of $340,025 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 77657 are set at the county level.
2026 Loan Limits — Hardin 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 77657
To purchase the median home at $340,025 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,755.
Monthly Payment
$2,755
Income Required
$118,079
Principal & Interest
$2,095/mo
Down Payment (5%)
$17,001
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 77657.
Estimated Monthly Payment
$2,254
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