77301 — Montgomery County, Texas Market Snapshot
Housing market data for zip code 77301 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
154 sales in 2026 (year to date)
Median Sale Price
$274,995
Days to Sell
136
Homes Sold
154
Inventory
169
Sale-to-List
98.4%
New Listings
173
Price/SqFt
$137
Pending Sales
163
Conforming Loan Available
Most homebuyers in 77301 can comfortably use conventional financing. The median home price of $274,995 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 136 days on average, 77301 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 77301 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 77301 can comfortably use conventional financing. The median home price of $274,995 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 77301 are set at the county level.
2026 Loan Limits — Montgomery 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 77301
To purchase the median home at $274,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,257.
Monthly Payment
$2,257
Income Required
$96,725
Principal & Interest
$1,694/mo
Down Payment (5%)
$13,750
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 77301.
Estimated Monthly Payment
$1,852
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