ZIP 77382 vs ZIP 77381

77382 is one of 22 ZIP codes that lie mostly in Montgomery County, TX.

Shaded by typical home value, it ranks 1 of the 22 with a value.

5 school locations in 77382: 2 elementary, 3 middle.

In alphabetical order: BUCKALEW EL, BUSH EL, DERETCHIN EL, MITCHELL INT, and more on the ZIP page. Locations only — no ratings are shown here.

77381 is one of 22 ZIP codes that lie mostly in Montgomery County, TX.

Shaded by typical home value, it ranks 2 of the 22 with a value.

9 school locations in 77381: 5 elementary, 2 middle, 1 high, 1 other.

In alphabetical order: COLLINS INT, DAVID EL, GALATAS EL, GLEN LOCH EL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 77382 was worth $250,582.

Values peaked at $589,421 in August 2026. The latest reading is the peak.

As of August 2026: $589,421, +1.6% over twelve months.

Start with the typical home: $589,421. Put 20% down and borrow $471,537 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,265 a month in principal and interest.

The median household here earns $169,669 a year, $14,139 a month. So the payment takes 23.1% 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 9.8% 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 $1,500.

In December 2020, with rates at 2.68%, it was $1,268.

By August 2026, at 6.67%, it was $3,032 — +139% since December 2020, while the home's value moved +50%.

Reported values rose +135% 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 $494,549. So the real change is +19%, not +135%.

77382: +135% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000 — 77382 ran behind it by 25 points.

Against 1,763 Texas ZIP codes, 77382 sits at the 58th percentile for affordability (price vs local income).

69th for appreciation (recent value growth); 29th for rental yield (rent vs price).

Owning the typical home costs about $3,854 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,304 a month.

Price divided by a year's rent: 21.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77381 was worth $207,589.

Values peaked at $568,210 in July 2026. The latest reading is the peak.

As of August 2026: $568,085, +3.3% over twelve months.

Start with the typical home: $568,085. Put 20% down and borrow $454,468 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,147 a month in principal and interest.

The median household here earns $142,210 a year, $11,851 a month. So the payment takes 26.6% 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 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 $1,243.

In December 2020, with rates at 2.68%, it was $1,177.

By August 2026, at 6.67%, it was $2,923 — +148% since December 2020, while the home's value moved +56%.

Reported values rose +174% 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 $409,698. So the real change is +39%, not +174%.

77381: +174% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000 — 77381 ran ahead of it by 13 points.

Against 1,763 Texas ZIP codes, 77381 sits at the 36th percentile for affordability (price vs local income).

81st for appreciation (recent value growth); 32nd for rental yield (rent vs price).

Owning the typical home costs about $3,715 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,398 a month.

Price divided by a year's rent: 19.7. 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 73 a month (Redfin, 3-month rolling data through August 2026). That is 76% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 156. That is 57% of the 2015–2019 level for the same months.

Going out — closed sales: about 57 a month. That is 65% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.8 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 16 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 57 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 62 — so sales ran at 92% of it, and below it in 22 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 55 a month (Redfin, 3-month rolling data through August 2026). That is 69% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 107. That is 53% of the 2015–2019 level for the same months.

Going out — closed sales: about 51 a month. That is 73% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.1 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 51 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 54 — so sales ran at 94% of it, and below it in 21 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: 156 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: 107 in June 2026.

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