ZIP 77086 vs ZIP 77088

77086 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 31 of the 40 nearby ZIPs shown.

7 school locations in 77086: 6 elementary, 1 middle.

In alphabetical order: CARMICHAEL EL, EPPS ISLAND EL, KUJAWA EC/PK/K, KUJAWA EL, and more on the ZIP page. Locations only — no ratings are shown here.

77088 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 32 of the 40 nearby ZIPs shown.

15 school locations in 77088: 10 elementary, 2 middle, 3 high.

In alphabetical order: ANDERSON ACADEMY, CARAWAY EL, CARVER H S FOR APPLIED TECH/ENGINEERING/ARTS, EILAND EL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 77086 was worth $75,552.

Values peaked at $231,617 in May 2024. The latest reading is −5.4% from that peak.

As of August 2026: $219,192, −0.8% over twelve months.

Start with the typical home: $219,192. Put 20% down and borrow $175,354 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,214 a month in principal and interest.

The median household here earns $58,184 a year, $4,849 a month. So the payment takes 25.0% 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 8.6% 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 $452.

In December 2020, with rates at 2.68%, it was $550.

By August 2026, at 6.67%, it was $1,128 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +190% 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 $149,110. So the real change is +47%, not +190%.

77086: +190% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77086 ran ahead of it by 30 points.

Against 1,763 Texas ZIP codes, 77086 sits at the 46th percentile for affordability (price vs local income).

50th for appreciation (recent value growth); 71st for rental yield (rent vs price).

Owning the typical home costs about $1,433 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,341 a month.

Price divided by a year's rent: 13.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77088 was worth $64,328.

Values peaked at $229,360 in June 2024. The latest reading is −6.8% from that peak.

As of August 2026: $213,715, −1.6% over twelve months.

Start with the typical home: $213,715. Put 20% down and borrow $170,972 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,184 a month in principal and interest.

The median household here earns $52,549 a year, $4,379 a month. So the payment takes 27.0% 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 8.1% 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 $385.

In December 2020, with rates at 2.68%, it was $524.

By August 2026, at 6.67%, it was $1,100 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +232% 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 $126,958. So the real change is +68%, not +232%.

77088: +232% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77088 ran ahead of it by 72 points.

Against 1,763 Texas ZIP codes, 77088 sits at the 36th percentile for affordability (price vs local income).

39th for appreciation (recent value growth); 91st for rental yield (rent vs price).

Owning the typical home costs about $1,397 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,718 a month.

Price divided by a year's rent: 10.4. 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 13 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 39.

Going out — closed sales: about 10 a month. The drain is drawn 52% narrower: the share of homes for sale that sell each month is 48% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.9 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 10 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 83% 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).

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 64 a month (Redfin, 3-month rolling data through August 2026). That is 169% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 231.

Going out — closed sales: about 34 a month. That is 115% of the 2015–2019 level for the same months. The drain is drawn 60% narrower: the share of homes for sale that sell each month is 40% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.9 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 31 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 30 — so sales ran at 113% of it, and below it in 2 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: 39 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: 231 in June 2026.

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