ZIP 77091 vs ZIP 77040

77091 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 19 of the 39 nearby ZIPs shown.

10 school locations in 77091: 3 elementary, 6 middle, 1 high.

In alphabetical order: BRAZOS SCHOOL FOR INQUIRY AND CREATIVITY TIDWELL, DREW ACADEMY, HARMONY SCHOOL OF ENDEAVOR-HOUSTON, HIGHLAND HTS EL, and more on the ZIP page. Locations only — no ratings are shown here.

77040 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 26 of the 40 nearby ZIPs shown.

8 school locations in 77040: 4 elementary, 1 middle, 3 high.

In alphabetical order: BANE EL, DEAN MIDDLE, ERMEL EL, HARMONY SCHOOL OF EXCELLENCE-HOUSTON, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 77091 was worth $96,295.

Values peaked at $285,481 in June 2024. The latest reading is −8.4% from that peak.

As of August 2026: $261,400, −3.9% over twelve months.

Start with the typical home: $261,400. Put 20% down and borrow $209,120 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,448 a month in principal and interest.

The median household here earns $35,737 a year, $2,978 a month. So the payment takes 48.6% 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 17.9% 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 $577.

In December 2020, with rates at 2.68%, it was $699.

By August 2026, at 6.67%, it was $1,345 — +92% since December 2020, while the home's value moved +21%.

Reported values rose +171% 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 $190,048. So the real change is +38%, not +171%.

77091: +172% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77091 ran ahead of it by 11 points.

Against 1,763 Texas ZIP codes, 77091 sits at the 4th percentile for affordability (price vs local income).

13th for appreciation (recent value growth); 82nd for rental yield (rent vs price).

Owning the typical home costs about $1,709 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,731 a month.

Price divided by a year's rent: 12.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77040 was worth $106,368.

Values peaked at $272,540 in May 2024. The latest reading is −4.9% from that peak.

As of August 2026: $259,144, −2.2% over twelve months.

Start with the typical home: $259,144. Put 20% down and borrow $207,315 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,435 a month in principal and interest.

The median household here earns $67,254 a year, $5,605 a month. So the payment takes 25.6% 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 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 $637.

In December 2020, with rates at 2.68%, it was $659.

By August 2026, at 6.67%, it was $1,333 — +102% since December 2020, while the home's value moved +27%.

Reported values rose +144% 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 $209,928. So the real change is +23%, not +144%.

77040: +144% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77040 ran behind it by 17 points.

Against 1,763 Texas ZIP codes, 77040 sits at the 42nd percentile for affordability (price vs local income).

29th for appreciation (recent value growth); 59th for rental yield (rent vs price).

Owning the typical home costs about $1,695 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,330 a month.

Price divided by a year's rent: 16.2. 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 70 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 278.

Going out — closed sales: about 36 a month. The drain is drawn 39% narrower: the share of homes for sale that sell each month is 61% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.7 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 34 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 36 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 327% of it, and below it in 0 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 33 a month (Redfin, 3-month rolling data through August 2026). That is 74% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 102.

Going out — closed sales: about 26 a month. That is 73% 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 = 3.97 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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 26 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 37 — so sales ran at 70% 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: 278 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: 102 in June 2026.

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