77396 — Harris County, Texas Market Snapshot
Housing market data for zip code 77396 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
77 sales in 2026 (year to date)
Median Sale Price
$275,000
Days to Sell
50
Homes Sold
77
Inventory
125
Sale-to-List
96.7%
New Listings
138
Price/SqFt
$134
Pending Sales
103
Conforming Loan Available
Most homebuyers in 77396 can comfortably use conventional financing. The median home price of $275,000 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
77396's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77396 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77396 can comfortably use conventional financing. The median home price of $275,000 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 77396 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 77396
To purchase the median home at $275,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,257.
Monthly Payment
$2,257
Income Required
$96,727
Principal & Interest
$1,694/mo
Down Payment (5%)
$13,750
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 77396.
Estimated Monthly Payment
$1,852
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