77027 — Harris County, Texas Market Snapshot
Housing market data for zip code 77027 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$1,367,500
Days to Sell
30
Homes Sold
26
Inventory
35
Sale-to-List
96.2%
New Listings
41
Price/SqFt
$434
Pending Sales
28
Jumbo Loan Likely Needed
The median home in 77027 at $1,367,500 exceeds the 2026 conforming loan limit of $832,750 by $534,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
77027's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77027 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 77027 at $1,367,500 exceeds the 2026 conforming loan limit of $832,750 by $534,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 77027 are set at the county level.
2026 Loan Limits — Harris 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 77027
To purchase the median home at $1,367,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,627.
Monthly Payment
$10,627
Income Required
$455,458
Principal & Interest
$8,426/mo
Down Payment (5%)
$68,375
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 77027.
Estimated Monthly Payment
$8,613
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 77027.
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