77302 — Montgomery County, Texas Market Snapshot
Housing market data for zip code 77302 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
264 sales in 2026 (year to date)
Median Sale Price
$335,775
Days to Sell
114
Homes Sold
264
Inventory
322
Sale-to-List
97.1%
New Listings
337
Price/SqFt
$153
Pending Sales
278
Conforming Loan Available
Most homebuyers in 77302 can comfortably use conventional financing. The median home price of $335,775 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 114 days on average, 77302 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 77302 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77302 can comfortably use conventional financing. The median home price of $335,775 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 77302 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 77302
To purchase the median home at $335,775 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,723.
Monthly Payment
$2,723
Income Required
$116,683
Principal & Interest
$2,069/mo
Down Payment (5%)
$16,789
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 77302.
Estimated Monthly Payment
$2,228
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