77096 — Harris County, Texas Market Snapshot
Housing market data for zip code 77096 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
86 sales in 2026 (year to date)
Median Sale Price
$462,500
Days to Sell
27
Homes Sold
86
Inventory
92
Sale-to-List
97.0%
New Listings
132
Price/SqFt
$213
Pending Sales
90
Conforming Loan Available
Most homebuyers in 77096 can comfortably use conventional financing. The median home price of $462,500 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
Homes in 77096 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 77096 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77096 can comfortably use conventional financing. The median home price of $462,500 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 77096 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 77096
To purchase the median home at $462,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,694.
Monthly Payment
$3,694
Income Required
$158,294
Principal & Interest
$2,850/mo
Down Payment (5%)
$23,125
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 77096.
Estimated Monthly Payment
$3,012
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