CALCMONEY // MORTGAGE // TX // HOUSTON // 77019
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 77019 in Houston, TX. This is a high-net-worth enclave — most purchases require jumbo financing.
$2,100,000
$1,680,000
$15,614
$669,192/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $2,100,000 | $1,890,000 | $12,448 | $16,998 | 6.9% |
| 20% Down | $2,100,000 | $1,680,000 | $11,064 | $15,614 | 6.9% |
| 25% Down | $2,100,000 | $1,575,000 | $10,373 | $14,923 | 6.9% |
Total monthly includes principal & interest, property tax (2.2% annual), and estimated homeowners insurance. PMI not included.
River Oaks (ZIP 77019) sits within Houston, Texas with a median home price of $2,100,000 — significantly above the Houston city-wide median of $310,000. At 80% LTV, the typical loan amount of $1,680,000 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 77019 run 2.2% annually, adding $3,850 per month on the median home. Median household income in this neighborhood is approximately $195,000, placing the price-to-income ratio at 10.8x. Texas has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.