77354 — Montgomery County, Texas Market Snapshot
Housing market data for zip code 77354 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
359 sales in 2026 (year to date)
Median Sale Price
$338,065
Days to Sell
80
Homes Sold
359
Inventory
496
Sale-to-List
96.3%
New Listings
545
Price/SqFt
$163
Pending Sales
385
Conforming Loan Available
Most homebuyers in 77354 can comfortably use conventional financing. The median home price of $338,065 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 80 days on average, 77354 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 77354 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77354 can comfortably use conventional financing. The median home price of $338,065 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 77354 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 77354
To purchase the median home at $338,065 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,740.
Monthly Payment
$2,740
Income Required
$117,435
Principal & Interest
$2,083/mo
Down Payment (5%)
$16,903
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 77354.
Estimated Monthly Payment
$2,242
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