ZIP 77365 vs ZIP 77303

77365 is one of 22 ZIP codes that lie mostly in Montgomery County, TX — 96% of its own area is in the county.

Shaded by typical home value, it ranks 16 of the 22 with a value.

11 school locations in 77365: 6 elementary, 3 middle, 2 high.

In alphabetical order: BENS BRANCH EL, BROOKWOOD FOREST EL, INFINITY EARLY COLLEGE H S, PINE VALLEY MIDDLE, and more on the ZIP page. Locations only — no ratings are shown here.

77303 is one of 22 ZIP codes that lie mostly in Montgomery County, TX.

Shaded by typical home value, it ranks 17 of the 22 with a value.

1 school location in 77303: 1 middle.

In alphabetical order: BOZMAN INT. Locations only — no ratings are shown here.

In January 2000 the typical home in 77365 was worth $136,757.

Values peaked at $324,324 in August 2022. The latest reading is −5.1% from that peak.

As of August 2026: $307,945, −1.5% over twelve months.

Start with the typical home: $307,945. Put 20% down and borrow $246,356 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,706 a month in principal and interest.

The median household here earns $96,093 a year, $8,008 a month. So the payment takes 21.3% 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 9.5% 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 $819.

In December 2020, with rates at 2.68%, it was $812.

By August 2026, at 6.67%, it was $1,584 — +95% since December 2020, while the home's value moved +23%.

Reported values rose +125% 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 $269,904. So the real change is +14%, not +125%.

77365: +125% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000 — 77365 ran behind it by 35 points.

Against 1,763 Texas ZIP codes, 77365 sits at the 70th percentile for affordability (price vs local income).

35th for appreciation (recent value growth); 71st for rental yield (rent vs price).

Owning the typical home costs about $2,014 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,802 a month.

Price divided by a year's rent: 14.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77303 was worth $100,167.

Values peaked at $293,557 in August 2022. The latest reading is −9.0% from that peak.

As of August 2026: $267,065, −2.6% over twelve months.

Start with the typical home: $267,065. Put 20% down and borrow $213,652 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,479 a month in principal and interest.

The median household here earns $72,827 a year, $6,069 a month. So the payment takes 24.4% 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 9.1% 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 $600.

In December 2020, with rates at 2.68%, it was $717.

By August 2026, at 6.67%, it was $1,374 — +92% since December 2020, while the home's value moved +21%.

Reported values rose +167% 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 $197,690. So the real change is +35%, not +167%.

77303: +167% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000 — 77303 ran ahead of it by 6 points.

Against 1,763 Texas ZIP codes, 77303 sits at the 49th percentile for affordability (price vs local income).

23rd for appreciation (recent value growth); 70th for rental yield (rent vs price).

Owning the typical home costs about $1,746 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,710 a month.

Price divided by a year's rent: 13.0. 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 113 a month (Redfin, 3-month rolling data through August 2026). That is 137% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 362. That is 142% of the 2015–2019 level for the same months.

Going out — closed sales: about 78 a month. That is 135% of the 2015–2019 level for the same months. The drain is drawn 11% narrower: the share of homes for sale that sell each month is 89% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.7 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 36 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 78 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 55 — so sales ran at 142% of it, and below it in 1 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 90 a month (Redfin, 3-month rolling data through August 2026). That is 333% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 310.

Going out — closed sales: about 62 a month. The drain is drawn 47% narrower: the share of homes for sale that sell each month is 53% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.0 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 28 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 62 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 326% 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).

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).

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: 310 in June 2026.

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