Montgomery, Texas.
Typical home $389,463 (-1.6% in a year), asking rent $1,819 (+0.5%). Houston-The Woodlands-Sugar Land, TX metro.
to buy the typical home at today's mortgage rate — +$1,025 (+101%) since Jan 2020.
- 1 year
- Down $6,234 -2%
- $395,696$389,463 since Sep 2025
- 5 years
- Up $47,241 +14%
- $342,222$389,463 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.
- Montgomery$2,044
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 27 years.
Typical home values in Montgomery, TX fell 1.6% over the past year — slower than the nation's +1.2%.
Asking rents in Montgomery, TX rose 0.5% over the past year — slower than the nation's +2.7%.
Owning the typical home in Montgomery runs $1,136/mo more than renting one. The gap peaked at $1,321 in Oct 2023.
That is $2,955 a month against $1,819 rent: a $2,044 mortgage payment, plus $494 property tax and $417 insurance & upkeep.
Owning vs renting — Montgomery
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$2,955
- Renting$1,819
- Mortgage only$2,044
Property tax · $494/mo 1.52% of value a year — the ACS 2020-2024 median bill over the median home value for Montgomery County, TX
Insurance & upkeep · $417/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 Montgomery, Montgomery County, Texas
Montgomery is a city of 1,948 people in Montgomery County. Half its households earn more than $72,917 a year and half less, against $97,701 across Montgomery County; 10% of its people live below the poverty line. 54% of its homes are lived in by their owners and 46% are rented. Unemployment in Montgomery County was 4.6% in August 2026, and the county had 3.5% more jobs in 2025 than the year before. The most people in Montgomery County 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. Montgomery is a small Texas city where the typical resident is around the age of a young working family, and most households own rather than rent, though renting is common too. Incomes run below the county's overall, and homes here are priced well above what many people expect for a town this size. Winters are mild and short, summers are long and hot, and rain is plentiful through the year.
Work. Residents find jobs mainly in schools, hospitals and social care, in professional and business services, in shops and in the building trades. Montgomery ISD and Brookshire Brothers are among the largest workplaces in town. Commutes are long for many people, and few work from home, so a good share of the day is spent driving to jobs elsewhere in the county.
Things to do. Lake Conroe is a reservoir a short drive away, popular for boating and time by the water. Farther out, Sam Houston National Forest is a protected area for walking and camping, and Washington-on-the-Brazos is a protected historic area tied to Texas's early history. Each of these is a longer drive away.
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- 1,109households
- 36%of adults have a degree
- 10%below the poverty line
- 38 mintypical commute
- 8%work from home
What people in Montgomery County work in
Employed residents by industry, from the Census survey. Montgomery County had 235,441 jobs in 2025, 3.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 63° and lows near 42°; warmest in August, with highs near 96° and lows near 74°. About 51 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Conroe weather station, 14 miles away (NOAA).
Largest workplaces in Montgomery
- Montgomery ISDSchool district1,136FTE
- MontgomeryMail and parcel delivery94
- Brookshire BrothersGrocery stores57
- 113_MontgomeryBuilding materials supply dealers37
- Heart of Texas Utility DesignEngineering design services30
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 218 people in all. School districts come from the Common Core of Data (NCES, 2023–24); 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
- DroughtRelatively high
- LightningRelatively high
- TornadoesRelatively high
- HurricanesRelatively moderate
- Ice stormsRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Montgomery’s census tracts, against the rest of the country; all of them together, relatively low. 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 Montgomery County and the Houston-The Woodlands-Sugar Land, TX metro.
Montgomery home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Montgomery$389,463
- Texas$296,424
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Montgomery listings, and the typical home goes pending in 63 days — the market is roughly in balance.
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.
- Montgomery30.27%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Montgomery63
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Montgomery1,041
New listings per month
Sellers arriving at the market.
- Montgomery186
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Montgomery$439,014
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Montgomery97.42%
Zip codes with a Montgomery address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Montgomery — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Montgomery
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 77316 | Montgomery | 34,694 | $1,802 | $415,451 |
| 77356 | Montgomery | 32,583 | $1,760 | $363,078 |