ZIP 77027 vs ZIP 77098

77027 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 4 of the 38 nearby ZIPs shown.

1 school location in 77027: 1 high.

In alphabetical order: SOAR CTR. Locations only — no ratings are shown here.

77098 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 5 of the 38 nearby ZIPs shown.

3 school locations in 77098: 1 elementary, 1 middle, 1 high.

In alphabetical order: LAMAR H S, LANIER MIDDLE, POE EL. Locations only — no ratings are shown here.

In January 2000 the typical home in 77027 was worth $365,617.

Values peaked at $821,394 in August 2026. The latest reading is the peak.

As of August 2026: $821,394, +3.2% over twelve months.

Start with the typical home: $821,394. Put 20% down and borrow $657,115 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,550 a month in principal and interest.

The median household here earns $102,861 a year, $8,572 a month. So the payment takes 53.1% of income — rated “severe” (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 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 $2,189.

In December 2020, with rates at 2.68%, it was $2,199.

By August 2026, at 6.67%, it was $4,226 — +92% since December 2020, while the home's value moved +21%.

Reported values rose +125% 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 $721,583. So the real change is +14%, not +125%.

77027: +125% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77027 ran behind it by 36 points.

Against 1,763 Texas ZIP codes, 77027 sits at the 3rd percentile for affordability (price vs local income).

82nd for appreciation (recent value growth); 4th for rental yield (rent vs price).

Owning the typical home costs about $5,371 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,821 a month.

Price divided by a year's rent: 37.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77098 was worth $327,751.

Values peaked at $703,314 in February 2026. The latest reading is −1.1% from that peak.

As of August 2026: $695,828, +1.2% over twelve months.

Start with the typical home: $695,828. Put 20% down and borrow $556,662 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,854 a month in principal and interest.

The median household here earns $115,867 a year, $9,656 a month. So the payment takes 39.9% of income — rated “severe” (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 18.8% 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 $1,962.

In December 2020, with rates at 2.68%, it was $1,930.

By August 2026, at 6.67%, it was $3,580 — +86% since December 2020, while the home's value moved +17%.

Reported values rose +112% 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 $646,850. So the real change is +8%, not +112%.

77098: +112% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77098 ran behind it by 48 points.

Against 1,763 Texas ZIP codes, 77098 sits at the 9th percentile for affordability (price vs local income).

66th for appreciation (recent value growth); 6th for rental yield (rent vs price).

Owning the typical home costs about $4,550 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,842 a month.

Price divided by a year's rent: 31.5. 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 28 a month (Redfin, 3-month rolling data through August 2026). That is 96% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 104.

Going out — closed sales: about 22 a month.

The ladder: homes for sale ÷ monthly sales = 4.8 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 22 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 116% of it, and below it in 10 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 20 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 74.

Going out — closed sales: about 14 a month. The drain is drawn 4% narrower: the share of homes for sale that sell each month is 96% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.2 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 14 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 17 — so sales ran at 82% of it, and below it in 13 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: 104 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: 74 in June 2026.

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