77642 — Jefferson County, Texas Market Snapshot
Housing market data for zip code 77642 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
$168,000
Days to Sell
53
Homes Sold
33
Inventory
26
Sale-to-List
93.0%
New Listings
38
Price/SqFt
$106
Pending Sales
39
Conforming Loan Available
Most homebuyers in 77642 can comfortably use conventional financing. The median home price of $168,000 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
77642's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 77642 sells for 7.0% below asking price (93.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77642 can comfortably use conventional financing. The median home price of $168,000 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 77642 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 77642
To purchase the median home at $168,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,437.
Monthly Payment
$1,437
Income Required
$61,593
Principal & Interest
$1,035/mo
Down Payment (5%)
$8,400
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 77642.
Estimated Monthly Payment
$1,190
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