ZIP 77401 vs ZIP 77027

77401 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 3 of the 38 nearby ZIPs shown.

5 school locations in 77401: 3 elementary, 1 middle, 1 high.

In alphabetical order: BELLAIRE H S, CONDIT EL, HORN EL, KOLTER EL, and more on the ZIP page. Locations only — no ratings are shown here.

77027 is one of 132 ZIP codes that lie mostly in Harris County, TX.

Shaded by typical home value, it ranks 4 of the 38 nearby ZIPs shown.

1 school location in 77027: 1 high.

In alphabetical order: SOAR CTR. Locations only — no ratings are shown here.

In January 2000 the typical home in 77401 was worth $547,338.

Values peaked at $1,176,393 in August 2026. The latest reading is the peak.

As of August 2026: $1,176,393, +3.8% over twelve months.

Start with the typical home: $1,176,393. Put 20% down and borrow $941,114 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $6,516 a month in principal and interest.

The median household here earns $236,037 a year, $19,670 a month. So the payment takes 33.1% 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 15.4% 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 $3,277.

In December 2020, with rates at 2.68%, it was $2,766.

By August 2026, at 6.67%, it was $6,052 — +119% since December 2020, while the home's value moved +38%.

Reported values rose +115% 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 $1,080,228. So the real change is +9%, not +115%.

77401: +115% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77401 ran behind it by 45 points.

Against 1,763 Texas ZIP codes, 77401 sits at the 18th percentile for affordability (price vs local income).

83rd for appreciation (recent value growth); 3rd for rental yield (rent vs price).

Owning the typical home costs about $7,692 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,815 a month.

Price divided by a year's rent: 34.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77027 was worth $365,617.

Values peaked at $821,394 in August 2026. The latest reading is the peak.

As of August 2026: $821,394, +3.2% over twelve months.

Start with the typical home: $821,394. Put 20% down and borrow $657,115 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,550 a month in principal and interest.

The median household here earns $102,861 a year, $8,572 a month. So the payment takes 53.1% of income — rated “severe” (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 23.6% 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 $2,189.

In December 2020, with rates at 2.68%, it was $2,199.

By August 2026, at 6.67%, it was $4,226 — +92% since December 2020, while the home's value moved +21%.

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 $721,583. So the real change is +14%, not +125%.

77027: +125% since January 2000.

Harris County: +146% since January 2000.

Texas: +160% since January 2000 — 77027 ran behind it by 36 points.

Against 1,763 Texas ZIP codes, 77027 sits at the 3rd percentile for affordability (price vs local income).

82nd for appreciation (recent value growth); 4th for rental yield (rent vs price).

Owning the typical home costs about $5,371 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,821 a month.

Price divided by a year's rent: 37.6. 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 23 a month (Redfin, 3-month rolling data through August 2026). That is 70% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 50.

Going out — closed sales: about 17 a month. That is 59% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.9 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 17 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — so sales ran at 77% of it, and below it in 16 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 28 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: 104.

Going out — closed sales: about 22 a month.

The ladder: homes for sale ÷ monthly sales = 4.8 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 22 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 116% of it, and below it in 10 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: 50 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: 104 in June 2026.

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