ZIP Code Tabulation Area
ZIP area 77098, Harris County, Texas: rent, home value and fair market rent
ZCTA 77098 is the U.S. Census Bureau's statistical area for ZIP code 77098, in Harris County, Texas. It has about 9,440 occupied homes, 65.9% of them renter-occupied (Census ACS 2020-2024).
Census American Community Survey
Key figures for ZIP area 77098
Census ACS five-year estimates for ZCTA 77098, 2020–2024.
- Median gross rent
- $1,890 per monthRenter homes paying cash rent; rent plus utilities · Census table B25064
- Median home value
- $787,000Owner-occupied homes; the owner's estimate · Census table B25077
- Median household income
- $116,700 per yearAll households; 2024 dollars · Census table B19013
- Renter-occupied homes
- 65.9% of occupied homesCensus table B25003
- Occupied homes
- About 9,440Rounded to tens · Census table B25003
- Rental vacancy rate
- 6.2%Vacant for rent, share of the rental inventory · Census table B25004
HUD Small Area Fair Market Rents
HUD fair market rents for ZIP 77098, fiscal year 2027
Fiscal year starting October 1, 2026. HUD's ZIP-level estimates at the 40th percentile of recent movers' gross rents, used to set Housing Choice Voucher payment standards in HUD-designated areas or where a housing agency opts in: a program benchmark, not the typical rent.
| Home size | Fair market rent per month |
|---|---|
| Studio (no bedroom) | $1,850 |
| 1 bedroom | $1,900 |
| 2 bedrooms | $2,250 |
| 3 bedrooms | $3,030 |
| 4 bedrooms | $3,760 |
FHFA House Price Index (developmental)
House price trend in ZIP 77098: FHFA index for 2025
From repeat sales and refinancings of single-family homes; it can be revised. Data as of March 31, 2026.
- Annual change, 2025
- −6.8%FHFA HPI, five-digit ZIP codes (developmental)
- Change over five years, 2020–2025
- +11.5%
Derived, not official statistics
MyInversorAI indicators for ZIP 77098 (derived, not official statistics)
Calculated from the medians above, which describe different groups; no margin of error is computed for them.
- Estimated gross annual yield
- 2.9%MyInversorAI estimate: 12 × median rent ÷ median value.
- Price-to-income ratio
- 6.7MyInversorAI estimate: median value ÷ median income.
- Rent-to-income ratio
- 19.4%MyInversorAI estimate: 12 × median rent ÷ median income.At or below HUD's 30% cost-burden line.
They describe the area, not a home, and promise no return.
ZIP area and state
ZIP 77098 compared with Texas
Difference calculated by MyInversorAI.
| Median | ZIP 77098 | Texas | Difference |
|---|---|---|---|
| Gross rent (per month) | $1,890 | $1,403 | +35% |
| Home value | $787,000 | $283,800 | +177% |
| Household income (per year) | $116,700 | $78,476 | +49% |
Within the state
Where ZIP 77098 ranks in Texas
Among the ZIP areas of Texas with a published value; ranked by MyInversorAI.
- Median gross rent: tied with 4 others for 106th highest of 1,367 ZIP areas, above 92% of the others.
- Median home value: 25th highest of 1,451 ZIP areas, above 98% of the others.
- Median household income: 134th highest of 1,483 ZIP areas, above 91% of the others.
- Rental vacancy rate: tied with 9 others for 434th lowest of 997 ZIP areas, below 55% of the others.
Same main county
ZIP areas of Harris County with the closest median rent
Main county by area (Census 2020 ZCTA to County Relationship File).
| ZIP area | Median gross rent | Rent vs ZIP 77098 | Median home value | Value vs ZIP 77098 | Gross yield (MyInversorAI estimate) |
|---|---|---|---|---|---|
| ZIP 77007 | $1,970 | +$80 | $549,000 | −$238,000 | 4.3% |
| ZIP 77019 | $1,960 | +$70 | $817,000 | +$30,000 | 2.9% |
| ZIP 77433 | $1,960 | +$70 | $409,000 | −$378,000 | 5.8% |
| ZIP 77027 | $1,870 | −$20 | $860,000 | +$73,000 | 2.6% |
| ZIP 77493 | $1,870 | −$20 | $358,000 | −$429,000 | 6.3% |
| ZIP 77388 | $1,850 | −$40 | $288,000 | −$499,000 | 7.7% |
| ZIP 77056 | $1,840 | −$50 | $861,000 | +$74,000 | 2.6% |
| ZIP 77389 | $1,810 | −$80 | $418,000 | −$369,000 | 5.2% |
| ZIP 77447 | $1,810 | −$80 | $326,000 | −$461,000 | 6.7% |
| ZIP 77006 | $1,800 | −$90 | $615,000 | −$172,000 | 3.5% |
Quotable facts
Key facts about ZIP 77098
- In ZIP Code Tabulation Area 77098, the median gross rent was $1,890 a month and the median home value $787,000 in the Census ACS 2020-2024.
- Its median household income was $116,700 a year, and renters occupied most of its roughly 9,440 occupied homes (65.9%).
- Its median gross rent is 35% higher than the Texas median ($1,403).
- Its median home value is 177% higher than the Texas median ($283,800).
- HUD's two-bedroom fair market rent in ZIP 77098 (fiscal year 2027) is $2,250 a month, 19% above the ACS median gross rent ($1,890).
- FHFA's developmental index for ZIP 77098 fell 6.8% in 2025 but rose 11.5% over five years.
- Its ACS rental vacancy rate was 6.2%, lower than in 55% of the other 996 Texas ZIP areas with a published rate.
- Its median household income is the 134th highest of the 1,483 Texas ZIP areas with a published figure.
Sources and method
Where the figures come from
- Source: U.S. Census Bureau, American Community Survey 5-year estimates. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
- Source: U.S. Department of Housing and Urban Development, Small Area Fair Market Rents. This product uses the HUD User Data API but is not endorsed or certified by HUD User.
- Source: Federal Housing Finance Agency, House Price Index (five-digit ZIP codes, developmental).
- Source: U.S. Census Bureau, 2020 ZCTA to County Relationship File.
Rounded: ZIP-level ACS rents to $10, values to $1,000 and incomes to $100; state medians as published. No private listing data, forecasts or scores.
Caveats
Before you use these figures
A ZIP Code Tabulation Area does not always cover the same homes as the USPS ZIP code. Census medians with a coefficient of variation above 30%, or top- or bottom-coded, are not shown. Fair market rents are a HUD benchmark, not the typical rent. The main county holds the largest part of the area, not necessarily most residents.
ZIP Finder
Explore ZIP 77098 in the ZIP Finder
Search active for-sale listings in ZIP 77098 and analyze the ones you want with your own numbers. Free account, with a daily search limit.
Run your numbers
Analyze a rental property in ZIP 77098
Free calculators with your own figures.
Educational information
Not financial, tax or legal advice
These pages summarize published statistics for education. They are not a forecast, an appraisal, or financial, tax, lending or legal advice, and they do not promise any return. Estimates have margins of error and can be revised by their publishers. Verify the figures that matter to your decision.