77440 — Matagorda County, Texas Market Snapshot
Housing market data for zip code 77440 in Matagorda County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Matagorda County county page for broader data.
Market Sales Data
1 sales in 2024
Median Sale Price
$550,000
Days to Sell
27
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 77440 can comfortably use conventional financing. The median home price of $550,000 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
Homes in 77440 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 77440 can comfortably use conventional financing. The median home price of $550,000 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 77440 are set at the county level.
2026 Loan Limits — Matagorda 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 77440
To purchase the median home at $550,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,364.
Monthly Payment
$4,364
Income Required
$187,026
Principal & Interest
$3,389/mo
Down Payment (5%)
$27,500
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 77440.
Estimated Monthly Payment
$3,554
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 77440. Tell us what you're looking for.