ZIP 77386 vs ZIP 77355

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.

77355 is one of 22 ZIP codes that lie mostly in Montgomery County, TX — 90% of its own area is in the county.

Shaded by typical home value, it ranks 10 of the 22 with a value.

9 school locations in 77355: 5 elementary, 1 middle, 3 high.

In alphabetical order: AEP, ALPHA, DECKER PRAIRIE EL, J L LYON EL, and more on the ZIP page. Locations only — no ratings are shown here.

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.

In January 2000 the typical home in 77355 was worth $138,497.

Values peaked at $375,410 in January 2026. The latest reading is −2.3% from that peak.

As of August 2026: $366,804, −1.0% over twelve months.

Start with the typical home: $366,804. Put 20% down and borrow $293,443 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,032 a month in principal and interest.

The median household here earns $101,270 a year, $8,439 a month. So the payment takes 24.1% 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 9.1% 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 $829.

In December 2020, with rates at 2.68%, it was $922.

By August 2026, at 6.67%, it was $1,887 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +165% 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 $273,338. So the real change is +34%, not +165%.

77355: +165% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000 — 77355 ran ahead of it by 4 points.

Against 1,763 Texas ZIP codes, 77355 sits at the 49th percentile for affordability (price vs local income).

39th for appreciation (recent value growth); 57th for rental yield (rent vs price).

Owning the typical home costs about $2,399 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,832 a month.

Price divided by a year's rent: 16.7. 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 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).

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 107 a month (Redfin, 3-month rolling data through August 2026). That is 184% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 330. That is 191% of the 2015–2019 level for the same months.

Going out — closed sales: about 60 a month. That is 122% of the 2015–2019 level for the same months. The drain is drawn 32% narrower: the share of homes for sale that sell each month is 68% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.5 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 47 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 60 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 38 — so sales ran at 158% of it, and below it in 2 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: 330 in June 2026.

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