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Houston city, TX

ZIP 77045 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 77045

Median Home Value
$163,600
Median Rent
$1,061
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,051/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 77045 in Houston city, TX, a household would need roughly $45,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,051. That sits below the local median household income ($61,166), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
59.1%-10% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
93.9%+8% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
48.2%+26% vs US avg
x
$163,600
Home Value
$1,061
Rent
1977
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached78.7%
  • 1-unit attached2.1%
  • 2-9 units3.5%
  • 10+ units12.3%
  • Mobile home & other3.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$163,600
Median rent$1,061
Owner-occupied59.1%
Vacant3.7%
Price-to-income2.7x
Est. income to buy$45,000