ZIP 77357

77357 is one of 22 ZIP codes that lie mostly in Montgomery County, TX — 82% of its own area is in the county.

Shaded by typical home value, it ranks 18 of the 22 with a value.

10 school locations in 77357: 4 elementary, 2 middle, 3 high, 1 other.

In alphabetical order: DOGWOOD EL, HIGHLANDS EL, KEEFER CROSSING MIDDLE, NEW CANEY EL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 77357 was worth $100,236.

Values peaked at $290,339 in August 2022. The latest reading is −10.2% from that peak.

As of August 2026: $260,822, −3.0% over twelve months.

Start with the typical home: $260,822. Put 20% down and borrow $208,658 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,445 a month in principal and interest.

The median household here earns $73,773 a year, $6,148 a month. So the payment takes 23.5% 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 9.0% 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 $600.

In December 2020, with rates at 2.68%, it was $733.

By August 2026, at 6.67%, it was $1,342 — +83% since December 2020, while the home's value moved +15%.

Reported values rose +160% 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 $197,826. So the real change is +32%, not +160%.

77357: +160% since January 2000.

Montgomery County: +135% since January 2000.

Texas: +160% since January 2000.

Against 1,763 Texas ZIP codes, 77357 sits at the 54th percentile for affordability (price vs local income).

20th for appreciation (recent value growth); 82nd for rental yield (rent vs price).

Owning the typical home costs about $1,706 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,816 a month.

Price divided by a year's rent: 12.0. 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 402% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 425.

Going out — closed sales: about 96 a month. That is 383% of the 2015–2019 level for the same months. The drain is drawn 7% narrower: the share of homes for sale that sell each month is 93% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.4 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 32 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 96 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 26 — so sales ran at 369% 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: 425 in June 2026.

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