77465 — Matagorda County, Texas Market Snapshot
Housing market data for zip code 77465 in Matagorda County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$249,500
Days to Sell
120
Homes Sold
24
Inventory
60
Sale-to-List
94.6%
New Listings
39
Price/SqFt
$141
Pending Sales
22
Conforming Loan Available
Most homebuyers in 77465 can comfortably use conventional financing. The median home price of $249,500 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 120 days on average, 77465 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 77465 sells for 5.4% below asking price (94.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77465 can comfortably use conventional financing. The median home price of $249,500 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 77465 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 77465
To purchase the median home at $249,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,062.
Monthly Payment
$2,062
Income Required
$88,354
Principal & Interest
$1,537/mo
Down Payment (5%)
$12,475
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 77465.
Estimated Monthly Payment
$1,694
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