CALCMONEY // MORTGAGE // TX // HOUSTON // 77007
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 77007 in Houston, TX.
$680,000
$544,000
$5,056
$216,691/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $680,000 | $612,000 | $4,031 | $5,504 | 6.9% |
| 20% Down | $680,000 | $544,000 | $3,583 | $5,056 | 6.9% |
| 25% Down | $680,000 | $510,000 | $3,359 | $4,832 | 6.9% |
Total monthly includes principal & interest, property tax (2.2% annual), and estimated homeowners insurance. PMI not included.
Houston Heights Historic (ZIP 77007) sits within Houston, Texas with a median home price of $680,000 — significantly above the Houston city-wide median of $310,000. At 80% LTV, the typical loan of $544,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 77007 run 2.2% annually, adding $1,247 per month on the median home. Median household income in this neighborhood is approximately $125,000, placing the price-to-income ratio at 5.4x. Texas has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.