ZIP 77523

77523 is one of 7 ZIP codes that lie mostly in Chambers County, TX — 95% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 6 with a value.

In January 2004 the typical home in 77523 was worth $157,455.

Values peaked at $379,031 in March 2026. The latest reading is −0.6% from that peak.

As of August 2026: $376,723, +0.7% over twelve months.

Start with the typical home: $376,723. Put 20% down and borrow $301,378 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,087 a month in principal and interest.

The median household here earns $120,839 a year, $10,070 a month. So the payment takes 20.7% 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 8.7% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2004 (5.71%) the payment was $732.

In December 2020, with rates at 2.68%, it was $997.

By August 2026, at 6.67%, it was $1,938 — +94% since December 2020, while the home's value moved +22%.

Reported values rose +139% since January 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $282,397. So the real change is +33%, not +139%.

77523: +99% since April 2009.

Chambers County: +91% since April 2009.

Texas: +109% since April 2009 — 77523 ran behind it by 10 points.

Against 1,763 Texas ZIP codes, 77523 sits at the 74th percentile for affordability (price vs local income).

59th for appreciation (recent value growth); 70th for rental yield (rent vs price).

Owning the typical home costs about $2,463 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,015 a month.

Price divided by a year's rent: 15.6. 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 65 a month (Redfin, 3-month rolling data through August 2026). That is 115% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 287.

Going out — closed sales: about 65 a month. That is 155% of the 2015–2019 level for the same months. The drain is drawn 37% narrower: the share of homes for sale that sell each month is 63% 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: listings and sales were even.

Homes sold: about 65 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 40 — so sales ran at 163% of it, and below it in 0 of the last 24 months.

Across Chambers County, builders pulled permits for 564 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Chambers County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,582 moved in. Among the ten receiving the most, 1,100 moved out.

Net across those counties: +482 households. Beside it, homes for sale in this ZIP: 287 in June 2026.

Most arrivals came from Harris, TX (1,137 households); most departures went to Harris, TX (695).