Cinco Ranch, Texas.
Typical home $529,378 (-0.8% in a year), asking rent $1,969 (+1.8%). Houston-The Woodlands-Sugar Land, TX metro.
to buy the typical home at today's mortgage rate — +$1,483 (+114%) since Jan 2020.
- 1 year
- Down $4,516 -1%
- $533,894$529,378 since Sep 2025
- 5 years
- Up $107,637 +26%
- $421,741$529,378 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Cinco Ranch$2,779
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Cinco Ranch, TX fell 0.8% over the past year — slower than the nation's +1.2%.
Asking rents in Cinco Ranch, TX rose 1.8% over the past year — slower than the nation's +2.7%.
Owning the typical home in Cinco Ranch runs $2,197/mo more than renting one. The gap peaked at $2,297 in May 2024.
That is $4,166 a month against $1,969 rent: a $2,779 mortgage payment, plus $820 property tax and $567 insurance & upkeep.
Owning vs renting — Cinco Ranch
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,166
- Renting$1,969
- Mortgage only$2,779
Property tax · $820/mo 1.86% of value a year — the ACS 2020-2024 median bill over the median home value for Fort Bend County, TX
Insurance & upkeep · $567/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Cinco Ranch, Fort Bend County, Texas
Cinco Ranch, in Fort Bend County, had 16,899 people in the 2020 census. Half its households earn more than $161,972 a year and half less, against $114,041 across Fort Bend County; 7% of its people live below the poverty line. 74% of its homes are lived in by their owners and 26% are rented. Unemployment in Fort Bend County was 4.8% in August 2026, and the county had 3.8% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cinco Ranch is a community in Fort Bend County, in the Houston area, where most homes are lived in by their owners and incomes run well above the county's. Residents tend to be middle-aged, and the great majority of adults hold a four-year degree. Winters are mild, with January highs and lows that stay above freezing, while summers are hot, and the year brings a good deal of rain.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in manufacturing, or in banks, insurance and property. Across Fort Bend County, the largest workplaces include Katy ISD, Fort Bend ISD and Methodist Sugar Land Hospital. Commutes are fairly long, though more people work from home than in many places.
Things to do. Most outings mean a drive into Houston. The Museum of Fine Arts, Houston is among the best known of the museums, and the Houston Zoo and the Houston Museum of Natural Science are also on the list of nearby places. Each is a longer drive away.
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- 6,064households
- 71%of adults have a degree
- 7%below the poverty line
- 30 mintypical commute
- 29%work from home
What residents work in
Employed residents by industry, from the Census survey. Fort Bend County had 260,929 jobs in 2025, 3.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 64° and lows near 45°; warmest in July, with highs near 95° and lows near 76°. About 50 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Houston Sugarland Mem weather station, 10 miles away (NOAA).
Largest workplaces in Fort Bend County
- Katy ISDSchool district12,969FTE
- Fort Bend ISDSchool district10,195FTE
- Lamar CisdSchool district4,802FTE
- IES ResidentialElectrical contractors3,374
- Methodist Sugar Land HospitalGeneral hospital2,455FTE
- AmazonGeneral warehousing and storage2,434
- Memorial Hermann KatyGeneral hospital1,505FTE
- UPSCouriers and express delivery services1,309
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 369 workplaces with 20 or more staff, 64,622 people in all across the county; Cinco Ranch has two of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- TornadoesRelatively high
- LightningRelatively high
- HurricanesRelatively moderate
- Heat wavesRelatively moderate
- Cold wavesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cinco Ranch’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Fort Bend County and the Houston-The Woodlands-Sugar Land, TX metro.
Cinco Ranch home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cinco Ranch$529,378
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 3 Cinco Ranch listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Cinco Ranch35.17%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cinco Ranch62
New listings per month
Sellers arriving at the market.
- Cinco Ranch13
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Cinco Ranch$563,431
- United States$370,717
Zip codes with a Cinco Ranch address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cinco Ranch — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.