ZIP 77089 vs ZIP 77504

77089 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 9 of the 37 nearby ZIPs shown.

13 school locations in 77089: 7 elementary, 4 middle, 2 high.

In alphabetical order: ARLYNE & ALAN WEBER EL, BEVERLY HILLS INT, BURNETT EL, CLEAR HORIZONS EARLY COLLEGE H S, and more on the ZIP page. Locations only — no ratings are shown here.

77504 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 9 of the 37 nearby ZIPs shown.

8 school locations in 77504: 3 elementary, 3 middle, 2 high.

In alphabetical order: CARTER LOMAX MIDDLE, JENSEN EL, MARSHALL KENDRICK MIDDLE, MILLER INT, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 77089 was worth $107,562.

Values peaked at $283,302 in June 2024. The latest reading is −3.5% from that peak.

As of August 2026: $273,251, −0.6% over twelve months.

Start with the typical home: $273,251. Put 20% down and borrow $218,601 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,514 a month in principal and interest.

The median household here earns $87,262 a year, $7,272 a month. So the payment takes 20.8% 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 8.2% 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 $644.

In December 2020, with rates at 2.68%, it was $714.

By August 2026, at 6.67%, it was $1,406 — +97% since December 2020, while the home's value moved +24%.

Reported values rose +154% 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 $212,285. So the real change is +29%, not +154%.

77089: +154% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77089 ran behind it by 6 points.

Against 1,763 Texas ZIP codes, 77089 sits at the 74th percentile for affordability (price vs local income).

48th for appreciation (recent value growth); 61st for rental yield (rent vs price).

Owning the typical home costs about $1,787 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,553 a month.

Price divided by a year's rent: 14.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77504 was worth $101,341.

Values peaked at $276,855 in September 2024. The latest reading is −3.4% from that peak.

As of August 2026: $267,332, −1.6% over twelve months.

Start with the typical home: $267,332. Put 20% down and borrow $213,866 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,481 a month in principal and interest.

The median household here earns $52,784 a year, $4,399 a month. So the payment takes 33.7% 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 12.8% 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 $607.

In December 2020, with rates at 2.68%, it was $696.

By August 2026, at 6.67%, it was $1,375 — +98% since December 2020, while the home's value moved +24%.

Reported values rose +164% 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 $200,007. So the real change is +34%, not +164%.

77504: +164% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77504 ran ahead of it by 3 points.

Against 1,763 Texas ZIP codes, 77504 sits at the 17th percentile for affordability (price vs local income).

35th for appreciation (recent value growth); 37th for rental yield (rent vs price).

Owning the typical home costs about $1,748 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,214 a month.

Price divided by a year's rent: 18.4. 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 54 a month (Redfin, 3-month rolling data through August 2026). That is 83% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 127.

Going out — closed sales: about 34 a month. That is 67% of the 2015–2019 level for the same months. The drain is drawn 40% narrower: the share of homes for sale that sell each month is 60% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.7 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 20 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 48 — so sales ran at 71% 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 10 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 26.

Going out — closed sales: about 11 a month. The drain is drawn 8% narrower: the share of homes for sale that sell each month is 92% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.3 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 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 13 — so sales ran at 85% of it, and below it in 22 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: 127 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: 26 in June 2026.

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