ZIP 77099 vs ZIP 77074

77099 is one of 132 ZIP codes that lie mostly in Harris County, TX — 95% of its own area is in the county.

Shaded by typical home value, it ranks 34 of the 40 nearby ZIPs shown.

19 school locations in 77099: 9 elementary, 7 middle, 3 high.

In alphabetical order: ALEXANDER EL, BOONE EL, CUMMINGS EL, HARMONY SCHOOL OF EXPLORATION- HOUSTON, and more on the ZIP page. Locations only — no ratings are shown here.

77074 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 34 of the 40 nearby ZIPs shown.

20 school locations in 77074: 6 elementary, 7 middle, 6 high, 1 other.

In alphabetical order: BAKER-RIPLEY CHARTER SCHOOL, BONHAM EL, ENERGIZED FOR STEM ACADEMY H S, ENERGIZED FOR STEM ACADEMY MIDDLE, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 77099 was worth $63,105.

Values peaked at $225,880 in June 2024. The latest reading is −3.9% from that peak.

As of August 2026: $217,100, −0.6% over twelve months.

Start with the typical home: $217,100. Put 20% down and borrow $173,680 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,203 a month in principal and interest.

The median household here earns $48,735 a year, $4,061 a month. So the payment takes 29.6% 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 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 $378.

In December 2020, with rates at 2.68%, it was $527.

By August 2026, at 6.67%, it was $1,117 — +112% since December 2020, while the home's value moved +33%.

Reported values rose +244% 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 $124,544. So the real change is +74%, not +244%.

77099: +244% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77099 ran ahead of it by 84 points.

Against 1,763 Texas ZIP codes, 77099 sits at the 24th percentile for affordability (price vs local income).

46th for appreciation (recent value growth); 59th for rental yield (rent vs price).

Owning the typical home costs about $1,420 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,096 a month.

Price divided by a year's rent: 16.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77074 was worth $69,244.

Values peaked at $228,853 in June 2024. The latest reading is −8.6% from that peak.

As of August 2026: $209,130, −2.6% over twelve months.

Start with the typical home: $209,130. Put 20% down and borrow $167,304 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,158 a month in principal and interest.

The median household here earns $47,408 a year, $3,951 a month. So the payment takes 29.3% 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 9.7% 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 $415.

In December 2020, with rates at 2.68%, it was $548.

By August 2026, at 6.67%, it was $1,076 — +96% since December 2020, while the home's value moved +24%.

Reported values rose +202% 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 $136,660. So the real change is +53%, not +202%.

77074: +202% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77074 ran ahead of it by 42 points.

Against 1,763 Texas ZIP codes, 77074 sits at the 26th percentile for affordability (price vs local income).

25th for appreciation (recent value growth); 79th for rental yield (rent vs price).

Owning the typical home costs about $1,368 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,139 a month.

Price divided by a year's rent: 15.3. 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 27 a month (Redfin, 3-month rolling data through August 2026). That is 96% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 107.

Going out — closed sales: about 11 a month. The drain is drawn 74% narrower: the share of homes for sale that sell each month is 26% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 9.4 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 16 more homes came on than sold each month, so inventory is growing. The basin is filling.

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

The 2015–2019 level for the same month was 21 — so sales ran at 52% 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 22 a month (Redfin, 3-month rolling data through August 2026). That is 86% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 75.

Going out — closed sales: about 10 a month. The drain is drawn 57% narrower: the share of homes for sale that sell each month is 43% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.8 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 13 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 14 — so sales ran at 71% of it, and below it in 20 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: 107 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: 75 in June 2026.

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