Houston 77098

Houston-The Woodlands-Sugar Land, TX · Harris County, TX · 4,513 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

39affordability /100

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

Payment burden
36.8%
severe
Days on market
40
daily
Price cuts
20.3%
of active
Valuation
+232.1%
vs assessor
Look up an address
38
/100
Weak
stable · balanced · prices rising year-over-year.
Price trend
62
Affordability
25
Valuation
20
Economic health
39

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

68/ 100SellerBalancedBuyer
Negotiate Hard
Needs 18.5% correction for affordability
DOM: 80d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)75
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)100
Cancellation Rate (10%)75
Days on Market (5%)75

Moderate buyer leverage in 77098. Room to negotiate 5-10% below list. Payment burden: 36.8% of median income. Median days on market: 80. Renting is approximately 178% cheaper than buying (price-to-rent ratio: 33.4).

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
STABLEBALANCED

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$702,819
▴ 0.9% YoY
Days on market
40
daily · zip_data
Median rent
$1,751
ZORI
Investor score
31/100
cash-flow lens
Active listings
65
90-day

Valuation3 lenses, different anchors

vs assessor
+232.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$2,334,300
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$281
Price-to-income6.1×

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How 77098 ranks in TX
percentile vs all Texas ZIPs · n=1763
Market velocity81%
Supply tightness48%
Affordability9%
Investment yield6%
Appreciation67%

Affordability, supply & momentum

41SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply25.1 mo
Days on Market40d
Inv vs History-15.0%
Listing Density7.5/1k
Affordability — payment burden
Monthly payment (P&I)$3,550
Payment burden36.8%
Median income · ZIP$115,867
Mortgage rate6.49% · 30yr
Total monthly own$4,253
Monthly rent$1,751
Market dynamics
Price cut %20.3%
Momentumstable
LeverageBALANCED
Months of supply25.1
Sales (90d)0
Investment analysis
Median rent$1,751
Price-to-rent33.4
Est. cap rate1.9%
Buy vs rentfavors renting

Livability

Walk score5
Transit score2
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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