77447 — Montgomery County, Texas Market Snapshot
Housing market data for zip code 77447 in Montgomery County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
396 sales in 2026 (year to date)
Median Sale Price
$307,450
Days to Sell
83
Homes Sold
396
Inventory
541
Sale-to-List
93.2%
New Listings
601
Price/SqFt
$154
Pending Sales
453
Conforming Loan Available
Most homebuyers in 77447 can comfortably use conventional financing. The median home price of $307,450 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 83 days on average, 77447 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 77447 sells for 6.8% below asking price (93.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77447 can comfortably use conventional financing. The median home price of $307,450 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 77447 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 77447
To purchase the median home at $307,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,506.
Monthly Payment
$2,506
Income Required
$107,382
Principal & Interest
$1,894/mo
Down Payment (5%)
$15,373
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 77447.
Estimated Monthly Payment
$2,053
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