77382 — Montgomery County, Texas Market Snapshot
Housing market data for zip code 77382 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
170 sales in 2026 (year to date)
Median Sale Price
$695,000
Days to Sell
18
Homes Sold
170
Inventory
141
Sale-to-List
97.9%
New Listings
276
Price/SqFt
$229
Pending Sales
203
Conforming Loan Available
The median home in 77382 at $695,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 77382 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 77382 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 77382 at $695,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 77382 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 77382
To purchase the median home at $695,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,475.
Monthly Payment
$5,475
Income Required
$234,637
Principal & Interest
$4,282/mo
Down Payment (5%)
$34,750
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 77382.
Estimated Monthly Payment
$4,451
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