Houston 77095

Houston-The Woodlands-Sugar Land, TX · Harris County, TX · 21,709 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

66affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
20.8%
affordable
Days on market
43
daily
Price cuts
29.9%
of active
Valuation
+12.7%
vs assessor
Look up an address
66
/100
Stable
cooling · seller slight · prices easing year-over-year.
Price trend
35
Affordability
95
Valuation
70
Economic health
66

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

39/ 100SellerBalancedBuyer
Seller's Market
DOM: 68d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)50
Days on Market (5%)75

Seller-favored market in 77095. Expect to pay at or near list price. Payment burden: 20.9% of median income. Median days on market: 68. Renting is approximately 49% cheaper than buying (price-to-rent ratio: 17.9).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 1.7% YoY.

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Market snapshoteach number, once

Median price
$328,829
▾ 1.7% YoY
Days on market
43
daily · zip_data
Median rent
$1,529
ZORI
Investor score
54/100
cash-flow lens
Active listings
166
90-day

Valuation3 lenses, different anchors

vs assessor
+12.7%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$370,513
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+59.7%
County-wide market — the widest, slowest signal.
Harris+59.7%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$135
Price-to-income3.4×

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How 77095 ranks in TX
percentile vs all Texas ZIPs · n=1763
Market velocity77%
Supply tightness60%
Affordability61%
Investment yield47%
Appreciation35%

Affordability, supply & momentum

38SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply14.3 mo
Days on Market43d
Inv vs History-5.8%
Listing Density6.7/1k
Affordability — payment burden
Monthly payment (P&I)$1,661
Payment burden20.8%
Median income · ZIP$95,657
Mortgage rate6.49% · 30yr
Total monthly own$1,990
Monthly rent$1,529
Market dynamics
Price cut %29.9%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply14.3
Sales (90d)0
Investment analysis
Median rent$1,529
Price-to-rent17.9
Est. cap rate3.6%
Buy vs rentneutral

Livability

Walk score3
Transit score3
Bike score—

Historical trends

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Harris County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Houston Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Harris County