ZIP 77046 vs ZIP 77092

77046 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 20 of the 38 nearby ZIPs shown.

77092 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 21 of the 40 nearby ZIPs shown.

9 school locations in 77092: 6 elementary, 2 middle, 1 high.

In alphabetical order: BENBROOK EL, CLIFTON MIDDLE, HOLBROOK EL, KIPP NEXUS MIDDLE, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 77046 was worth $211,610.

Values peaked at $391,794 in June 2022. The latest reading is −19.6% from that peak.

As of August 2026: $315,047, −5.4% over twelve months.

Start with the typical home: $315,047. Put 20% down and borrow $252,038 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,745 a month in principal and interest.

The median household here earns $115,516 a year, $9,626 a month. So the payment takes 18.1% 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 12.2% 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 $1,267.

In December 2020, with rates at 2.68%, it was $1,150.

By August 2026, at 6.67%, it was $1,621 — +41% since December 2020, while the home's value moved −11%.

Reported values rose +49% 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 $417,634. So the real change is −25%, not +49%.

77046: +49% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77046 ran behind it by 111 points.

Against 1,763 Texas ZIP codes, 77046 sits at the 83rd percentile for affordability (price vs local income).

5th for appreciation (recent value growth); 47th for rental yield (rent vs price).

Owning the typical home costs about $2,060 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,449 a month.

Price divided by a year's rent: 18.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77092 was worth $89,400.

Values peaked at $286,943 in June 2024. The latest reading is −3.1% from that peak.

As of August 2026: $277,940, +0.7% over twelve months.

Start with the typical home: $277,940. Put 20% down and borrow $222,352 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,540 a month in principal and interest.

The median household here earns $56,741 a year, $4,728 a month. So the payment takes 32.6% 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 10.5% 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 $535.

In December 2020, with rates at 2.68%, it was $726.

By August 2026, at 6.67%, it was $1,430 — +97% since December 2020, while the home's value moved +24%.

Reported values rose +211% 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 $176,440. So the real change is +58%, not +211%.

77092: +211% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77092 ran ahead of it by 51 points.

Against 1,763 Texas ZIP codes, 77092 sits at the 19th percentile for affordability (price vs local income).

60th for appreciation (recent value growth); 63rd for rental yield (rent vs price).

Owning the typical home costs about $1,817 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,435 a month.

Price divided by a year's rent: 16.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 200% of it, and below it in 9 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 38 a month (Redfin, 3-month rolling data through August 2026). That is 104% 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 21 a month. That is 72% of the 2015–2019 level for the same months. The drain is drawn 44% narrower: the share of homes for sale that sell each month is 56% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.5 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 17 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 21 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 27 — so sales ran at 78% of it, and below it in 19 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: 14 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).