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Houston city, TX

ZIP 77004 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 77004

Median Home Value
$384,100
Median Rent
$1,165
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,467/mo PITI).

21%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

27.5 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 77004 in Houston city, TX, a household would need roughly $106,000 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 $2,467. That is about 61% above the local median household income ($65,901), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
37.7%-42% vs US avg
x
Vacancy Rate
11.5%+12% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
11.4%-11% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
27.4%-45% vs US avg
x
Mortgage-Free
42.0%+10% vs US avg
x
$384,100
Home Value
$1,165
Rent
1983
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached34.8%
  • 1-unit attached11.3%
  • 2-9 units18.3%
  • 10+ units34.9%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$384,100
Median rent$1,165
Owner-occupied37.7%
Vacant11.5%
Price-to-income5.8x
Est. income to buy$106,000