ZIP 77004 vs ZIP 77003

77004 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 14 of the 38 nearby ZIPs shown.

14 school locations in 77004: 4 elementary, 4 middle, 6 high.

In alphabetical order: A+ UNLIMITED POTENTIAL - UNIVERSITY, BAYLOR COLLEGE OF MEDICINE ACADEMY AT RYAN, BLACKSHEAR EL, ELEVATE COLLEGIATE, and more on the ZIP page. Locations only — no ratings are shown here.

77003 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 15 of the 38 nearby ZIPs shown.

4 school locations in 77003: 1 middle, 3 high.

In alphabetical order: BAYLOR COLLEGE OF MEDICINE BIOTECH ACADEMY AT RUSK, EAST EARLY COLLEGE H S, H S FOR LAW AND JUSTICE, MIDDLE COLLEGE H S AT HCC FRAGA. Locations only — no ratings are shown here.

In January 2000 the typical home in 77004 was worth $183,893.

Values peaked at $388,559 in April 2024. The latest reading is −10.0% from that peak.

As of August 2026: $349,729, −5.0% over twelve months.

Start with the typical home: $349,729. Put 20% down and borrow $279,783 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,937 a month in principal and interest.

The median household here earns $65,901 a year, $5,492 a month. So the payment takes 35.3% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 18.5% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,101.

In December 2020, with rates at 2.68%, it was $1,055.

By August 2026, at 6.67%, it was $1,799 — +71% since December 2020, while the home's value moved +7%.

Reported values rose +90% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $362,932. So the real change is −4%, not +90%.

77004: +90% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77004 ran behind it by 70 points.

Against 1,763 Texas ZIP codes, 77004 sits at the 13th percentile for affordability (price vs local income).

9th for appreciation (recent value growth); 67th for rental yield (rent vs price).

Owning the typical home costs about $2,287 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,155 a month.

Price divided by a year's rent: 13.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2002 the typical home in 77003 was worth $315,244.

Values peaked at $382,981 in April 2024. The latest reading is −9.0% from that peak.

As of August 2026: $348,420, −4.2% over twelve months.

Start with the typical home: $348,420. Put 20% down and borrow $278,736 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,930 a month in principal and interest.

The median household here earns $88,837 a year, $7,403 a month. So the payment takes 26.1% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 23.6% in 2002.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2002 (6.89%) the payment was $1,660.

In December 2020, with rates at 2.68%, it was $1,054.

By August 2026, at 6.67%, it was $1,793 — +70% since December 2020, while the home's value moved +7%.

Reported values rose +11% since February 2002.

General prices (CPI-U) rose +88% over the same span.

Divide one by the other: in August 2026 dollars, the 2002 home was worth $591,757. So the real change is −41%, not +11%.

77003: +11% since February 2002.

Harris County: +140% since February 2002.

Texas: +154% since February 2002 — 77003 ran behind it by 143 points.

Against 1,763 Texas ZIP codes, 77003 sits at the 38th percentile for affordability (price vs local income).

12th for appreciation (recent value growth); 61st for rental yield (rent vs price).

Owning the typical home costs about $2,278 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,960 a month.

Price divided by a year's rent: 14.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 72 a month (Redfin, 3-month rolling data through August 2026). That is 107% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 287. That is 114% of the 2015–2019 level for the same months.

Going out — closed sales: about 34 a month. That is 82% of the 2015–2019 level for the same months. The drain is drawn 26% narrower: the share of homes for sale that sell each month is 74% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 8.4 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 38 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 34 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 37 — so sales ran at 92% of it, and below it in 18 of the last 24 months.

Across Harris County, builders pulled permits for 30,909 new homes in 2025.

Of those, 55% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 24 a month (Redfin, 3-month rolling data through August 2026). That is 71% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 118.

Going out — closed sales: about 13 a month. That is 48% of the 2015–2019 level for the same months. The drain is drawn 61% narrower: the share of homes for sale that sell each month is 39% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 9.1 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 13 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — so sales ran at 59% of it, and below it in 24 of the last 24 months.

Across Harris County, builders pulled permits for 30,909 new homes in 2025.

Of those, 55% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Harris County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 36,350 moved in. Among the ten receiving the most, 48,718 moved out.

Net across those counties: −12,368 households. Beside it, homes for sale in this ZIP: 287 in June 2026.

Most arrivals came from Fort Bend, TX (11,572 households); most departures went to Fort Bend, TX (14,433).

This ZIP sits in Harris County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 36,350 moved in. Among the ten receiving the most, 48,718 moved out.

Net across those counties: −12,368 households. Beside it, homes for sale in this ZIP: 118 in June 2026.

Most arrivals came from Fort Bend, TX (11,572 households); most departures went to Fort Bend, TX (14,433).