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Kemah city, TX

ZIP 77565 — 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 77565

Median Home Value
$376,600
Median Rent
$1,428
Affordability Snapshot
$104,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,419/mo PITI).

20%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

22.0 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 77565 in Kemah city, TX, a household would need roughly $104,000 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 $2,419. That is about 21% above the local median household income ($85,726), so the median earner would likely stretch or need a larger down payment. 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
8.9%-14% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
0.8%-93% vs US avg
x
Built Post-2014
2.4%-66% vs US avg
x
Rent Burden >30%
33.9%-32% vs US avg
x
Mortgage-Free
41.5%+9% vs US avg
x
$376,600
Home Value
$1,428
Rent
1996
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 detached60.8%
  • 1-unit attached4.2%
  • 2-9 units18.3%
  • 10+ units15.8%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$376,600
Median rent$1,428
Owner-occupied57.3%
Vacant8.9%
Price-to-income4.4x
Est. income to buy$104,000