ZIP 77546

77546 is one of 18 ZIP codes that lie mostly in Galveston County, TX — 67% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 15 with a value.

12 school locations in 77546: 6 elementary, 3 middle, 2 high, 1 other.

In alphabetical order: BROOKSIDE INT, C D LANDOLT EL, CLEAR BROOK H S, C W CLINE EL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 77546 was worth $159,532.

Values peaked at $402,020 in February 2025. The latest reading is −0.7% from that peak.

As of August 2026: $399,109, +0.3% over twelve months.

Start with the typical home: $399,109. Put 20% down and borrow $319,287 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,211 a month in principal and interest.

The median household here earns $121,914 a year, $10,160 a month. So the payment takes 21.8% 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 8.7% 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 $955.

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

By August 2026, at 6.67%, it was $2,053 — +106% since December 2020, while the home's value moved +30%.

Reported values rose +150% 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 $314,853. So the real change is +27%, not +150%.

77546: +144% since January 2001.

Galveston County: +150% since January 2001.

Texas: +155% since January 2001 — 77546 ran behind it by 11 points.

Against 1,763 Texas ZIP codes, 77546 sits at the 66th percentile for affordability (price vs local income).

58th for appreciation (recent value growth); 50th for rental yield (rent vs price).

Owning the typical home costs about $2,610 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,120 a month.

Price divided by a year's rent: 15.7. 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 105 a month (Redfin, 3-month rolling data through August 2026). That is 105% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 258. That is 132% of the 2015–2019 level for the same months.

Going out — closed sales: about 89 a month. That is 104% of the 2015–2019 level for the same months. The drain is drawn 21% narrower: the share of homes for sale that sell each month is 79% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.9 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 16 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 89 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 73 — so sales ran at 122% of it, and below it in 15 of the last 24 months.

Across Galveston County, builders pulled permits for 2,525 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 Galveston County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,478 moved in. Among the ten receiving the most, 5,636 moved out.

Net across those counties: +842 households. Beside it, homes for sale in this ZIP: 258 in June 2026.

Most arrivals came from Harris, TX (4,440 households); most departures went to Harris, TX (3,559).