ZIP 77306

77306 is one of 22 ZIP codes that lie mostly in Montgomery County, TX.

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

4 school locations in 77306: 2 elementary, 1 middle, 1 high.

In alphabetical order: AUSTIN EL, CANEY CREEK H S, CREIGHTON EL, MOORHEAD J H. Locations only — no ratings are shown here.

In January 2000 the typical home in 77306 was worth $77,261.

Values peaked at $253,831 in July 2022. The latest reading is −10.2% from that peak.

As of August 2026: $227,908, −1.6% over twelve months.

Start with the typical home: $227,908. Put 20% down and borrow $182,326 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,262 a month in principal and interest.

The median household here earns $76,411 a year, $6,368 a month. So the payment takes 19.8% 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 6.7% 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 $463.

In December 2020, with rates at 2.68%, it was $631.

By August 2026, at 6.67%, it was $1,173 — +86% since December 2020, while the home's value moved +17%.

Reported values rose +195% 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 $152,483. So the real change is +49%, not +195%.

77306: +195% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000 — 77306 ran ahead of it by 35 points.

Against 1,763 Texas ZIP codes, 77306 sits at the 78th percentile for affordability (price vs local income).

35th for appreciation (recent value growth); 86th for rental yield (rent vs price).

Owning the typical home costs about $1,490 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,622 a month.

Price divided by a year's rent: 11.7. 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 62 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 180.

Going out — closed sales: about 23 a month. The drain is drawn 50% narrower: the share of homes for sale that sell each month is 50% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.7 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 39 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 23 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 460% 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: 180 in June 2026.

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