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Baytown city, TX

ZIP 77520 — 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 77520

Median Home Value
$144,200
Median Rent
$953
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$926/mo PITI).

21%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.6 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 77520 in Baytown city, TX, a household would need roughly $40,000 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 $926. That sits below the local median household income ($54,249), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
53.2%-19% vs US avg
x
Vacancy Rate
10.7%+4% vs US avg
x
Broadband Access
86.8%-0% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
13.4%+5% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
25.9%-48% vs US avg
x
Mortgage-Free
55.8%+46% vs US avg
x
$144,200
Home Value
$953
Rent
1964
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached64.2%
  • 1-unit attached2.5%
  • 2-9 units13.3%
  • 10+ units14.9%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$144,200
Median rent$953
Owner-occupied53.2%
Vacant10.7%
Price-to-income2.7x
Est. income to buy$40,000