US5.com
  1. Home
  2. States
  3. Texas
  4. ZIP 77356
  5. Housing & Real Estate
Montgomery city, TX

ZIP 77356 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 77356

Median Home Value
$369,200
Median Rent
$1,327
Affordability Snapshot
$102,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,372/mo PITI).

14%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

23.2 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 77356 in Montgomery city, TX, a household would need roughly $102,000 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 $2,372. That sits below the local median household income ($113,750), 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

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.4%+26% vs US avg
x
Vacancy Rate
14.0%+36% vs US avg
x
Broadband Access
93.9%+8% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
39.3%+3% vs US avg
x
$369,200
Home Value
$1,327
Rent
2001
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached78.0%
  • 1-unit attached4.5%
  • 2-9 units4.0%
  • 10+ units9.8%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$369,200
Median rent$1,327
Owner-occupied82.4%
Vacant14.0%
Price-to-income3.2x
Est. income to buy$102,000