77640 — Jefferson County, Texas Market Snapshot
Housing market data for zip code 77640 in Jefferson County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$125,000
Days to Sell
103
Homes Sold
33
Inventory
50
Sale-to-List
98.6%
New Listings
40
Price/SqFt
$97
Pending Sales
39
Conforming Loan Available
Most homebuyers in 77640 can comfortably use conventional financing. The median home price of $125,000 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 103 days on average, 77640 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
Homes are selling very close to asking price in 77640 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77640 can comfortably use conventional financing. The median home price of $125,000 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 77640 are set at the county level.
2026 Loan Limits — Jefferson 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 77640
To purchase the median home at $125,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,108.
Monthly Payment
$1,108
Income Required
$47,473
Principal & Interest
$770/mo
Down Payment (5%)
$6,250
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 77640.
Estimated Monthly Payment
$924
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