77032 — Harris County, Texas Market Snapshot
Housing market data for zip code 77032 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$272,400
Days to Sell
218
Homes Sold
13
Inventory
18
Sale-to-List
99.9%
New Listings
11
Price/SqFt
$170
Pending Sales
10
Conforming Loan Available
Most homebuyers in 77032 can comfortably use conventional financing. The median home price of $272,400 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 218 days on average, 77032 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 77032 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77032 can comfortably use conventional financing. The median home price of $272,400 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 77032 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 77032
To purchase the median home at $272,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,237.
Monthly Payment
$2,237
Income Required
$95,873
Principal & Interest
$1,678/mo
Down Payment (5%)
$13,620
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 77032.
Estimated Monthly Payment
$1,836
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