ZIP 77328

77328 is one of 5 ZIP codes that lie mostly in San Jacinto County, TX — 70% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 5 with a value.

In January 2000 the typical home in 77328 was worth $101,226.

Values peaked at $285,213 in July 2022. The latest reading is −7.3% from that peak.

As of August 2026: $264,511, −3.0% over twelve months.

Start with the typical home: $264,511. Put 20% down and borrow $211,609 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,465 a month in principal and interest.

The median household here earns $57,725 a year, $4,810 a month. So the payment takes 30.5% 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 11.7% 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 $606.

In December 2020, with rates at 2.68%, it was $726.

By August 2026, at 6.67%, it was $1,361 — +88% since December 2020, while the home's value moved +18%.

Reported values rose +161% 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 $199,780. So the real change is +32%, not +161%.

77328: +93% since March 2009.

San Jacinto County: +78% since March 2009.

Texas: +109% since March 2009 — 77328 ran behind it by 16 points.

Against 1,763 Texas ZIP codes, 77328 sits at the 26th percentile for affordability (price vs local income).

19th for appreciation (recent value growth); 79th for rental yield (rent vs price).

Owning the typical home costs about $1,730 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,780 a month.

Price divided by a year's rent: 12.4. 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 16 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 70.

Going out — closed sales: about 10 a month. The drain is drawn 38% narrower: the share of homes for sale that sell each month is 62% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.0 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 10 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 167% of it, and below it in 1 of the last 24 months.

Across San Jacinto County, builders pulled permits for 523 new homes in 2025.

Of those, 99% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in San Jacinto County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 811 moved in. Among the ten receiving the most, 576 moved out.

Net across those counties: +235 households. Beside it, homes for sale in this ZIP: 70 in June 2026.

Most arrivals came from Harris, TX (294 households); most departures went to Montgomery, TX (198).