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Katy city, TX

ZIP 77494 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 77494

Median Home Value
$450,100
Median Rent
$1,890
Affordability Snapshot
$124,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,891/mo PITI).

16%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

19.8 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 77494 in Katy city, TX, a household would need roughly $124,000 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 $2,891. That sits below the local median household income ($146,105), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.0%+9% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
98.1%+13% vs US avg
x
4+ Bedrooms
16.6%+12% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
5.1%-27% vs US avg
x
Rent Burden >30%
26.3%-47% vs US avg
x
Mortgage-Free
28.5%-25% vs US avg
x
$450,100
Home Value
$1,890
Rent
2011
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached79.1%
  • 1-unit attached2.1%
  • 2-9 units4.5%
  • 10+ units14.2%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$450,100
Median rent$1,890
Owner-occupied71.0%
Vacant4.3%
Price-to-income3.1x
Est. income to buy$124,000