77318 — Montgomery County, Texas Market Snapshot
Housing market data for zip code 77318 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
199 sales in 2026 (year to date)
Median Sale Price
$324,900
Days to Sell
103
Homes Sold
199
Inventory
352
Sale-to-List
97.6%
New Listings
333
Price/SqFt
$163
Pending Sales
238
Conforming Loan Available
Most homebuyers in 77318 can comfortably use conventional financing. The median home price of $324,900 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 103 days on average, 77318 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 77318 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77318 can comfortably use conventional financing. The median home price of $324,900 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 77318 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 77318
To purchase the median home at $324,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,639.
Monthly Payment
$2,639
Income Required
$113,112
Principal & Interest
$2,002/mo
Down Payment (5%)
$16,245
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 77318.
Estimated Monthly Payment
$2,161
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 77318. Tell us what you're looking for.