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Houston city, TX

ZIP 77086 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 77086

Median Home Value
$196,300
Median Rent
$1,009
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,261/mo PITI).

21%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

16.2 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 77086 in Houston city, TX, a household would need roughly $54,000 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 $1,261. That is roughly in line with the local median household income ($58,184). 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
57.3%-12% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
86.1%-1% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
36.0%-28% vs US avg
x
Mortgage-Free
48.2%+26% vs US avg
x
$196,300
Home Value
$1,009
Rent
1984
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached63.3%
  • 1-unit attached6.5%
  • 2-9 units13.4%
  • 10+ units13.1%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$196,300
Median rent$1,009
Owner-occupied57.3%
Vacant6.4%
Price-to-income3.4x
Est. income to buy$54,000