77095 — Harris County, Texas Market Snapshot
Housing market data for zip code 77095 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
142 sales in 2026 (year to date)
Median Sale Price
$315,000
Days to Sell
43
Homes Sold
142
Inventory
166
Sale-to-List
97.8%
New Listings
250
Price/SqFt
$140
Pending Sales
188
Conforming Loan Available
Most homebuyers in 77095 can comfortably use conventional financing. The median home price of $315,000 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
77095's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77095 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77095 can comfortably use conventional financing. The median home price of $315,000 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 77095 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 77095
To purchase the median home at $315,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,563.
Monthly Payment
$2,563
Income Required
$109,861
Principal & Interest
$1,941/mo
Down Payment (5%)
$15,750
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 77095.
Estimated Monthly Payment
$2,099
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