Montgomery 77316

Houston-The Woodlands-Sugar Land, TX · Montgomery County, TX · 18,067 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

67affordability /100

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

Payment burden
19.8%
affordable
Days on market
96
daily
Price cuts
29.5%
of active
Valuation
+38.2%
vs assessor
Look up an address
59
/100
Mixed
cooling · seller slight · prices easing year-over-year.
Price trend
35
Affordability
95
Valuation
35
Economic health
67

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

52/ 100SellerBalancedBuyer
Balanced Market
DOM: 107d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)40
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)100
Days on Market (5%)100

Balanced market in 77316. List price is roughly fair — focus on condition and value. Payment burden: 19.8% of median income. Median days on market: 107. Renting is approximately 47% cheaper than buying (price-to-rent ratio: 17.7).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 1.8% YoY.

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Market snapshoteach number, once

Median price
$421,847
▾ 1.8% YoY
Days on market
96
daily · zip_data
Median rent
$1,981
ZORI
Investor score
56/100
cash-flow lens
Active listings
692
90-day

Valuation3 lenses, different anchors

vs assessor
+38.2%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$582,900
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+57.0%
County-wide market — the widest, slowest signal.
Montgomery+57.0%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$161
Price-to-income3.3×

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How 77316 ranks in TX
percentile vs all Texas ZIPs · n=1763
Market velocity29%
Supply tightness0%
Affordability66%
Investment yield50%
Appreciation34%

Affordability, supply & momentum

9SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply24.1 mo
Days on Market96d
Inv vs History+6.5%
Listing Density66.1/1k
Affordability — payment burden
Monthly payment (P&I)$2,131
Payment burden19.8%
Median income · ZIP$129,418
Mortgage rate6.49% · 30yr
Total monthly own$2,553
Monthly rent$1,981
Market dynamics
Price cut %29.5%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply24.1
Sales (90d)0
Investment analysis
Median rent$1,981
Price-to-rent17.7
Est. cap rate3.7%
Buy vs rentneutral

Livability

Walk score5
Transit score5
Bike score—

Historical trends

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Montgomery 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·Montgomery County