77056 — Harris County, Texas Market Snapshot
Housing market data for zip code 77056 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$781,000
Days to Sell
86
Homes Sold
12
Inventory
12
Sale-to-List
96.8%
New Listings
14
Price/SqFt
$214
Pending Sales
10
Conforming Loan Available
The median home in 77056 at $781,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 86 days on average, 77056 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 77056 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 77056 at $781,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 77056 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 77056
To purchase the median home at $781,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,134.
Monthly Payment
$6,134
Income Required
$262,876
Principal & Interest
$4,812/mo
Down Payment (5%)
$39,050
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 77056.
Estimated Monthly Payment
$4,983
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