ZIP 77354 vs ZIP 77386

77354 is one of 22 ZIP codes that lie mostly in Montgomery County, TX.

Shaded by typical home value, it ranks 8 of the 22 with a value.

7 school locations in 77354: 4 elementary, 2 middle, 1 high.

In alphabetical order: BEAR BRANCH EL, BEAR BRANCH INT, BEAR BRANCH J H, CEDRIC C SMITH, and more on the ZIP page. Locations only — no ratings are shown here.

77386 is one of 22 ZIP codes that lie mostly in Montgomery County, TX.

Shaded by typical home value, it ranks 9 of the 22 with a value.

12 school locations in 77386: 6 elementary, 4 middle, 1 high, 1 other.

In alphabetical order: BIRNHAM WOODS EL, BRADLEY EL, BROADWAY EL, CLARK INT, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 77354 was worth $149,417.

Values peaked at $386,540 in August 2022. The latest reading is −2.2% from that peak.

As of August 2026: $378,005, −1.5% over twelve months.

Start with the typical home: $378,005. Put 20% down and borrow $302,404 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,094 a month in principal and interest.

The median household here earns $112,093 a year, $9,341 a month. So the payment takes 22.4% 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 8.9% 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 $895.

In December 2020, with rates at 2.68%, it was $950.

By August 2026, at 6.67%, it was $1,945 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +153% 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 $294,890. So the real change is +28%, not +153%.

77354: +153% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000 — 77354 ran behind it by 7 points.

Against 1,763 Texas ZIP codes, 77354 sits at the 61st percentile for affordability (price vs local income).

33rd for appreciation (recent value growth); 47th for rental yield (rent vs price).

Owning the typical home costs about $2,472 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,818 a month.

Price divided by a year's rent: 17.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77386 was worth $162,163.

Values peaked at $380,808 in August 2022. The latest reading is −3.5% from that peak.

As of August 2026: $367,334, −1.0% over twelve months.

Start with the typical home: $367,334. Put 20% down and borrow $293,867 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,035 a month in principal and interest.

The median household here earns $130,094 a year, $10,841 a month. So the payment takes 18.8% 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 8.3% 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 $971.

In December 2020, with rates at 2.68%, it was $910.

By August 2026, at 6.67%, it was $1,890 — +108% since December 2020, while the home's value moved +31%.

Reported values rose +127% 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 $320,045. So the real change is +15%, not +127%.

77386: +127% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000 — 77386 ran behind it by 34 points.

Against 1,763 Texas ZIP codes, 77386 sits at the 81st percentile for affordability (price vs local income).

40th for appreciation (recent value growth); 63rd for rental yield (rent vs price).

Owning the typical home costs about $2,402 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,141 a month.

Price divided by a year's rent: 14.3. 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 167 a month (Redfin, 3-month rolling data through August 2026). That is 212% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 592. That is 236% of the 2015–2019 level for the same months.

Going out — closed sales: about 121 a month. That is 194% of the 2015–2019 level for the same months. The drain is drawn 18% narrower: the share of homes for sale that sell each month is 82% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.9 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 46 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 121 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 61 — so sales ran at 198% of it, and below it in 0 of the last 24 months.

Across Montgomery County, builders pulled permits for 13,614 new homes in 2025.

Of those, 85% 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 127 a month (Redfin, 3-month rolling data through August 2026). That is 75% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 362. That is 87% of the 2015–2019 level for the same months.

Going out — closed sales: about 99 a month. That is 69% of the 2015–2019 level for the same months. The drain is drawn 21% narrower: the share of homes for sale that sell each month is 79% 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 28 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 99 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 129 — so sales ran at 77% of it, and below it in 24 of the last 24 months.

Across Montgomery County, builders pulled permits for 13,614 new homes in 2025.

Of those, 85% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Montgomery County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 16,086 moved in. Among the ten receiving the most, 10,597 moved out.

Net across those counties: +5,489 households. Beside it, homes for sale in this ZIP: 592 in June 2026.

Most arrivals came from Harris, TX (12,733 households); most departures went to Harris, TX (7,410).

This ZIP sits in Montgomery County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 16,086 moved in. Among the ten receiving the most, 10,597 moved out.

Net across those counties: +5,489 households. Beside it, homes for sale in this ZIP: 362 in June 2026.

Most arrivals came from Harris, TX (12,733 households); most departures went to Harris, TX (7,410).