77090 — Harris County, Texas Market Snapshot
Housing market data for zip code 77090 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$255,000
Days to Sell
91
Homes Sold
57
Inventory
81
Sale-to-List
97.1%
New Listings
90
Price/SqFt
$128
Pending Sales
56
Conforming Loan Available
Most homebuyers in 77090 can comfortably use conventional financing. The median home price of $255,000 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
With homes sitting for 91 days on average, 77090 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 77090 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77090 can comfortably use conventional financing. The median home price of $255,000 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 77090 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 77090
To purchase the median home at $255,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,104.
Monthly Payment
$2,104
Income Required
$90,160
Principal & Interest
$1,571/mo
Down Payment (5%)
$12,750
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 77090.
Estimated Monthly Payment
$1,728
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