77905 — Victoria County, Texas Market Snapshot
Housing market data for zip code 77905 in Victoria County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$284,900
Days to Sell
75
Homes Sold
21
Inventory
42
Sale-to-List
95.8%
New Listings
30
Price/SqFt
$185
Pending Sales
29
Conforming Loan Available
Most homebuyers in 77905 can comfortably use conventional financing. The median home price of $284,900 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 75 days on average, 77905 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 77905 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 77905 can comfortably use conventional financing. The median home price of $284,900 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 77905 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 77905
To purchase the median home at $284,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,333.
Monthly Payment
$2,333
Income Required
$99,978
Principal & Interest
$1,755/mo
Down Payment (5%)
$14,245
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 77905.
Estimated Monthly Payment
$1,913
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