77048 — Harris County, Texas Market Snapshot
Housing market data for zip code 77048 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
58 sales in 2026 (year to date)
Median Sale Price
$253,000
Days to Sell
35
Homes Sold
58
Inventory
107
Sale-to-List
98.4%
New Listings
139
Price/SqFt
$155
Pending Sales
78
Conforming Loan Available
Most homebuyers in 77048 can comfortably use conventional financing. The median home price of $253,000 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
77048's market is balanced with homes taking an average of 35 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 77048 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77048 can comfortably use conventional financing. The median home price of $253,000 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 77048 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 77048
To purchase the median home at $253,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,088.
Monthly Payment
$2,088
Income Required
$89,503
Principal & Interest
$1,559/mo
Down Payment (5%)
$12,650
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 77048.
Estimated Monthly Payment
$1,716
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