ZIP 77098 vs ZIP 77019

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.

77019 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 6 of the 38 nearby ZIPs shown.

4 school locations in 77019: 1 elementary, 2 middle, 1 high.

In alphabetical order: CARNEGIE VANGUARD H S, GREGORY-LINCOLN ED CTR, RIVER OAKS EL, WHARTON K-8 DUAL LANGUAGE ACADEMY. Locations only — no ratings are shown here.

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.

In January 2000 the typical home in 77019 was worth $387,974.

Values peaked at $696,212 in April 2025. The latest reading is −1.0% from that peak.

As of August 2026: $689,218, +0.4% over twelve months.

Start with the typical home: $689,218. Put 20% down and borrow $551,374 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,818 a month in principal and interest.

The median household here earns $108,353 a year, $9,029 a month. So the payment takes 42.3% 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 23.8% 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 $2,323.

In December 2020, with rates at 2.68%, it was $1,959.

By August 2026, at 6.67%, it was $3,546 — +81% since December 2020, while the home's value moved +14%.

Reported values rose +78% 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 $765,707. So the real change is −10%, not +78%.

77019: +78% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77019 ran behind it by 83 points.

Against 1,763 Texas ZIP codes, 77019 sits at the 7th percentile for affordability (price vs local income).

60th for appreciation (recent value growth); 11th for rental yield (rent vs price).

Owning the typical home costs about $4,507 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,113 a month.

Price divided by a year's rent: 27.2. 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 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).

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 41 a month (Redfin, 3-month rolling data through August 2026). That is 77% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 144. That is 65% of the 2015–2019 level for the same months.

Going out — closed sales: about 27 a month. That is 68% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 5.4 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 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 27 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 32 — so sales ran at 84% 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: 74 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: 144 in June 2026.

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