77659 — Hardin County, Texas Market Snapshot
Housing market data for zip code 77659 in Hardin County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$284,999
Days to Sell
165
Homes Sold
11
Inventory
22
Sale-to-List
93.1%
New Listings
25
Price/SqFt
$141
Pending Sales
19
Conforming Loan Available
Most homebuyers in 77659 can comfortably use conventional financing. The median home price of $284,999 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 165 days on average, 77659 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 77659 sells for 6.9% below asking price (93.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77659 can comfortably use conventional financing. The median home price of $284,999 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 77659 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 77659
To purchase the median home at $284,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,334.
Monthly Payment
$2,334
Income Required
$100,010
Principal & Interest
$1,756/mo
Down Payment (5%)
$14,250
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 77659.
Estimated Monthly Payment
$1,914
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