77523 — Harris County, Texas Market Snapshot
Housing market data for zip code 77523 in Harris County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
157 sales in 2026 (year to date)
Median Sale Price
$356,040
Days to Sell
87
Homes Sold
157
Inventory
253
Sale-to-List
97.8%
New Listings
242
Price/SqFt
$162
Pending Sales
187
Conforming Loan Available
Most homebuyers in 77523 can comfortably use conventional financing. The median home price of $356,040 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 87 days on average, 77523 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 77523 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 77523 can comfortably use conventional financing. The median home price of $356,040 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 77523 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 77523
To purchase the median home at $356,040 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,878.
Monthly Payment
$2,878
Income Required
$123,337
Principal & Interest
$2,194/mo
Down Payment (5%)
$17,802
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 77523.
Estimated Monthly Payment
$2,353
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