ZIP 77873 vs ZIP 77316

77873 is one of 22 ZIP codes that lie mostly in Montgomery County, TX — 44% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 22 with a value.

1 school location in 77873: 1 high.

In alphabetical order: RICHARDS H S. Locations only — no ratings are shown here.

77316 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 4 of the 22 with a value.

7 school locations in 77316: 3 elementary, 3 middle, 1 high.

In alphabetical order: GORDON-REED EL, KEENAN EL, LAKE CREEK H S, LONE STAR EL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 77873 was worth $148,566.

Values peaked at $439,563 in February 2026. The latest reading is −1.4% from that peak.

As of August 2026: $433,606, +0.6% over twelve months.

Start with the typical home: $433,606. Put 20% down and borrow $346,885 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,402 a month in principal and interest.

The median household here earns $77,976 a year, $6,498 a month. So the payment takes 37.0% 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 12.7% 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 $890.

In December 2020, with rates at 2.68%, it was $1,055.

By August 2026, at 6.67%, it was $2,231 — +112% since December 2020, while the home's value moved +33%.

Reported values rose +192% 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 $293,210. So the real change is +48%, not +192%.

77873: +192% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000 — 77873 ran ahead of it by 32 points.

Against 1,763 Texas ZIP codes, 77873 sits at the 13th percentile for affordability (price vs local income).

59th for appreciation (recent value growth); 0th for rental yield (rent vs price).

Owning the typical home costs about $2,835 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $540 a month.

Price divided by a year's rent: 66.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 77316 was worth $160,306.

Values peaked at $428,605 in November 2024. The latest reading is −3.2% from that peak.

As of August 2026: $414,935, −2.4% over twelve months.

Start with the typical home: $414,935. Put 20% down and borrow $331,948 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,298 a month in principal and interest.

The median household here earns $129,418 a year, $10,785 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 8.2% 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 $960.

In December 2020, with rates at 2.68%, it was $1,018.

By August 2026, at 6.67%, it was $2,135 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +159% 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 $316,380. So the real change is +31%, not +159%.

77316: +159% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000 — 77316 ran behind it by 2 points.

Against 1,763 Texas ZIP codes, 77316 sits at the 66th percentile for affordability (price vs local income).

22nd for appreciation (recent value growth); 50th for rental yield (rent vs price).

Owning the typical home costs about $2,713 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,844 a month.

Price divided by a year's rent: 18.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 0 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at NaN% of it, and below it in 4 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 206 a month (Redfin, 3-month rolling data through August 2026). That is 251% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 879. That is 304% of the 2015–2019 level for the same months.

Going out — closed sales: about 155 a month. That is 249% of the 2015–2019 level for the same months. The drain is drawn 25% narrower: the share of homes for sale that sell each month is 75% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.7 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 51 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 155 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 59 — so sales ran at 263% 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: 3 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: 879 in June 2026.

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