CALCMONEY // MORTGAGE // TX // HOUSTON // 77005
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 77005 in Houston, TX. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,100,000
$880,000
$8,179
$350,529/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,100,000 | $990,000 | $6,520 | $8,903 | 6.9% |
| 20% Down | $1,100,000 | $880,000 | $5,796 | $8,179 | 6.9% |
| 25% Down | $1,100,000 | $825,000 | $5,433 | $7,817 | 6.9% |
Total monthly includes principal & interest, property tax (2.2% annual), and estimated homeowners insurance. PMI not included.
West University Place (ZIP 77005) sits within Houston, Texas with a median home price of $1,100,000 — significantly above the Houston city-wide median of $310,000. At 80% LTV, the typical loan amount of $880,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 77005 run 2.2% annually, adding $2,017 per month on the median home. Median household income in this neighborhood is approximately $165,000, placing the price-to-income ratio at 6.7x. Texas has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.