77901 — Victoria County, Texas Market Snapshot
Housing market data for zip code 77901 in Victoria County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
81 sales in 2026 (year to date)
Median Sale Price
$179,990
Days to Sell
81
Homes Sold
81
Inventory
116
Sale-to-List
95.3%
New Listings
108
Price/SqFt
$127
Pending Sales
83
Conforming Loan Available
Most homebuyers in 77901 can comfortably use conventional financing. The median home price of $179,990 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 81 days on average, 77901 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 77901 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77901 can comfortably use conventional financing. The median home price of $179,990 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 77901 are set at the county level.
2026 Loan Limits — Victoria 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 77901
To purchase the median home at $179,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,529.
Monthly Payment
$1,529
Income Required
$65,530
Principal & Interest
$1,109/mo
Down Payment (5%)
$9,000
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 77901.
Estimated Monthly Payment
$1,264
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