Lowest Mortgage Rate near Me, Katy, TX 77449


Safety and Crime Rates for ZIP Code 77449


The safety and crime rates of any area are crucial factors for residents and potential movers. In ZIP Code 77449, located in Katy, Texas, understanding these statistics can provide clarity on what to expect regarding community safety.

Crime Rate Statistics

Violent Crime Rates

  • Assault: Reported cases of assault have been consistently moderate. In 2022, the rate was approximately 250 per 100,000 inhabitants.
  • Robbery: The robbery rate stands lower compared to the state average, with around 120 incidents per 100,000 people.
  • Homicide: Homicide rates are minimal, with less than 5 reported cases per 100,000 annually.
  • Rape: There have been concerns with occasional spikes, but the overall trend shows declining rates, averaging 30 reports per 100,000 residents.

Property Crime Rates

  • Burglary: The rate of burglary has shown a downward trend, sitting at about 400 per 100,000 individuals.
  • Theft: Theft remains the most significant concern with rates near 1,500 per 100,000. However, community initiatives have shown promise in reducing these numbers.
  • Motor Vehicle Theft: This crime has seen a slight increase, with a current rate of approximately 300 per 100,000 inhabitants.

Safety Measures

Law Enforcement Presence

77449 benefits from a robust law enforcement presence. The local police department has increased its patrol units and deployed community policing programs which emphasize building trust and reducing crime through active engagement.

Community Involvement

The community is actively involved in safety initiatives. Neighborhood watch programs, along with regular town meetings, provide residents with the opportunity to collaborate with law enforcement and stay informed about local safety concerns.

Technology Integration

Recent investments in surveillance technologies, such as CCTV and integrated alarm systems, have contributed significantly to deterring criminal activities. Local authorities utilize data analytics to predict and respond to crime trends more efficiently.

Comparison with Other Areas

State Level Comparison

Compared to other ZIP codes in Texas, 77449 holds a relatively moderate position in crime rates. While theft and motor vehicle theft are areas of concern, violent crime rates, particularly robbery and homicide, are lower than the state averages.

National Context

Nationally, ZIP Code 77449’s crime rates align closely with other suburban areas in the U.S. While property crimes are nearly in line with national averages, the violent crime rates are beneficially lower, contributing to an overall sense of safety among residents.

Local Initiatives and Programs

Education and Outreach

Various educational programs aimed at crime prevention and safety awareness are regularly conducted. Schools and community centers partner in these initiatives, ensuring both young and adult residents are informed and prepared to contribute to a safer environment.

Youth Engagement

Youth programs focusing on engagement and mentorship play a crucial role in preventing juvenile delinquency. These programs provide guidance, support, and constructive activities, helping to steer young individuals away from potential crime paths.

Partnership with Local Businesses

Local businesses collaborate with law enforcement and community organizations to boost economic stability and reduce crime. Enhanced lighting, security cameras, and employee training programs are some measures taken to ensure safer commercial areas.

Proximity to Essential Services in ZIP Code 77449

Healthcare Services

The 77449 ZIP Code is well-served by a variety of healthcare facilities, ensuring residents have convenient access to medical care. Notable establishments include:

  • Memorial Hermann Katy Hospital: Located within a short driving distance, this hospital provides emergency care, inpatient and outpatient services.
  • Kelsey-Seybold Clinic: A multi-specialty healthcare provider offering primary and specialized care.
  • Urgent Care Centers: Several urgent care centers such as Next Level Urgent Care and AFC Urgent Care are available for immediate, non-life-threatening medical needs.

Educational Institutions

Education is a key benefit for residents in the 77449 area, with numerous options for all educational levels:

  • Cypress-Fairbanks Independent School District: Known for its reputable public schools, offering quality K-12 education.
  • Lone Star College – CyFair: Conveniently located for those seeking higher education and continuing education programs.
  • Private Schools: Options like Faith West Academy and Katy Adventist Christian School offer alternatives to public education.

Shopping and Retail

Shopping and retail amenities are plentiful in the 77449 area, providing convenient access to daily necessities as well as leisure shopping:

  • Katy Mills: A large shopping mall featuring a wide range of retail stores, dining options, and entertainment facilities.
  • Walmart Supercenter: Accessible for grocery shopping, household goods, and more.
  • HEB Grocery Store: Renowned for its fresh produce, quality meats, and extensive range of products.


The transportation infrastructure in ZIP Code 77449 is robust, enhancing mobility and accessibility for residents:

  • Major Highways: The area is conveniently located near Interstate 10 and the Grand Parkway, facilitating easy commutes to Houston and surrounding areas.
  • Public Transportation: METRO services offer bus routes that connect the local community to broader Houston areas.
  • Biking and Walking Paths: Several neighborhoods feature dedicated paths for biking and walking, promoting healthy and eco-friendly travel alternatives.

Parks and Recreation

Outdoor activities and recreational opportunities are abundant in the 77449 ZIP Code, with numerous parks and facilities available:

  • Mary Jo Peckham Park: Offers a range of amenities including fishing, a swimming pool, fitness centers, and walking trails.
  • Mason Creek South Hike & Bike Trail: A popular spot for bikers and joggers seeking a scenic route for exercise.
  • Katy Park: Features sports fields, playgrounds, and picnic areas ideal for family outings.

Emergency Services

The 77449 area is served by efficient and responsive emergency services, ensuring safety and prompt assistance:

  • Katy Fire Department: Offers fire protection and emergency medical services.
  • Katy Police Department: Provides law enforcement services, working to maintain safety and order in the community.
  • Memorial Hermann Life Flight: Air ambulance service available for severe emergencies requiring rapid transport to medical facilities.


In summary, the 77449 ZIP Code in the United States offers excellent proximity to essential services, ranging from healthcare and education to shopping, transportation, parks, and emergency services. This makes it a well-rounded and convenient area to live in, catering to the needs of its residents comprehensively.

Quality of Local Schools in ZIP Code 77449

Overview of School Districts

The ZIP Code 77449 falls within the jurisdiction of the highly regarded Katy Independent School District (Katy ISD) and a portion of the Cypress-Fairbanks Independent School District (Cy-Fair ISD). Both districts are known for their commitment to educational excellence and have garnered numerous accolades for their programs.

Elementary Schools

Elementary schools within the 77449 ZIP Code area exhibit exceptional performance standards. Highlights include:

  • McFee Elementary School: Consistently ranks high in student test scores, with a strong emphasis on STEM education.
  • Sundown Elementary School: Recognized for its innovative programs and dedicated faculty, Sundown creates a nurturing environment for young learners.
  • Rhoads Elementary School: Known for its diverse student body and comprehensive curriculum focusing on reading and mathematics proficiency.

Middle Schools

Middle schools in the 77449 area offer robust academic and extracurricular programs. Notable institutions include:

  • Mayde Creek Junior High School: Offers advanced placement classes and a variety of clubs and sports teams, creating a well-rounded educational experience.
  • McDonald Junior High School: Excels in academic performance assessments and offers numerous resources for student enrichment and development.

High Schools

The quality of high schools in ZIP Code 77449 is reflected in their excellent test scores and graduation rates. Top high schools include:

  • Mayde Creek High School: Known for its strong academic performance, diverse extracurricular activities, and well-rounded student development programs.
  • Morton Ranch High School: Complements its rigorous academic programs with a wide array of sports, arts, and vocational training opportunities.

Special Programs and Extracurricular Activities

The schools in this ZIP Code are dedicated to fostering talent beyond the classroom through a variety of special programs and extracurricular activities:

  • STEM Programs: Focusing on science, technology, engineering, and mathematics to prepare students for future careers.
  • Arts: Comprehensive programs in music, visual arts, and theater art allow students to explore their creative potential.
  • Sports: Competitive sports teams in football, basketball, soccer, and more promote physical health and teamwork skills.

Parental Involvement and Community Support

Parental involvement is highly encouraged, with many schools offering organizations such as the PTA (Parent-Teacher Association) to foster community engagement. Schools consistently organize events and activities that invite parents to participate in their children’s education, strengthening the bond between home and school.

Technology and Facilities

The schools in 77449 are equipped with state-of-the-art facilities and technology, providing students with access to modern educational tools and resources:

  • Interactive Smart Boards: Enhance learning experiences through interactive and engaging lessons.
  • Computer Labs: Ensure all students gain essential computer literacy and skills necessary for the digital age.
  • Modern Libraries: Offer a wide range of resources, including digital media, for research and personal enrichment.

Academic Performance

The academic performance of schools in ZIP Code 77449 is exemplary. Standardized test scores consistently exceed state averages, and graduation rates are notably high. Schools regularly earn distinctions in various academic competitions and have strong programs to support students who require additional assistance.

Final Thoughts on Quality Education in ZIP Code 77449

With a commitment to excellence, modern facilities, and a wide range of programs, the schools in ZIP Code 77449 offer an outstanding education to every student. Both Katy ISD and Cy-Fair ISD provide robust support systems, ensuring students thrive academically, socially, and personally.

Public Transportation Access in ZIP Code 77449


The ZIP code 77449 covers an area in the western part of Houston, Texas, primarily serving the communities in the Katy region. Public transportation accessibility within this area plays a crucial role in the daily lives of residents, providing essential connectivity to key destinations, including shopping centers, workplaces, educational institutions, and recreational areas.

Public Transit Providers

Public transportation services in ZIP code 77449 are primarily provided by the Metropolitan Transit Authority of Harris County (METRO). METRO operates a diverse array of services that cater to the transportation needs of residents in this ZIP code.

Bus Services

  • Bus Route 54: This route offers a vital connection between the residential areas of 77449 and downtown Houston, facilitating access to urban amenities and employment opportunities.
  • Bus Route 96: Aimed at reducing commute times, this route connects the region with major transit hubs and other critical points within the metropolitan area.

Park & Ride Services

To accommodate commuters traveling longer distances, METRO also provides Park & Ride facilities, strategically located near the major highways and transit routes in the 77449 area.

  • Kingsland Park & Ride: This facility caters to Katy residents, offering a hassle-free option for commuters heading into Houston.
  • ‘Addicks Park & Ride: Another key location serving the ZIP code 77449, providing extensive parking space integrated with express bus services.

Accessibility and Coverage

Public transportation access in ZIP code 77449 is designed to be inclusive and comprehensive, aiming to reach a majority of the population residing within the area. Efforts have been made to ensure bus stops are located in proximity to residential clusters, commercial centers, and essential service points.

Services for Disabled and Senior Citizens

METRO offers METROLift, a paratransit service, to cater to individuals with disabilities and senior citizens, ensuring they have the means to travel independently and comfortably.

  • Door-to-Door Service: Tailored for those who need personalized assistance, offering pickup and drop-off directly at their residences.
  • Advance Booking: Enables users to schedule rides ahead of time, ensuring timely and reliable transportation.

Bicycle Integration

Understanding the importance of eco-friendly and health-conscious transportation options, METRO has incorporated bicycle racks on buses and at transit centers to encourage mixed-mode commuting.

Future Developments

To further enhance public transportation in ZIP code 77449, several future projects have been proposed:

  • Expansion of Bus Routes: Introduction of additional routes and increased frequency to reduce waiting times and improve overall coverage.
  • Light Rail Extensions: Plans to extend light rail services to the western outskirts, improving connectivity and reducing congestion on roads.
  • Enhanced Technology Integration: Deployment of real-time tracking systems and mobile app enhancements to provide commuters with timely updates and flexible payment options.

Community Involvement

The local government frequently engages with community members to gather feedback and address concerns related to public transit. Community forums and surveys have been instrumental in shaping future transit policies and ensuring they align with the residents’ needs.


Public transportation in ZIP code 77449 is evolving to meet the burgeoning needs of its growing populace. Through strategic expansions, accessibility enhancements, and community-oriented initiatives, the area is poised to offer reliable and efficient transit solutions, promoting sustainable urban living.

Neighborhood Atmosphere in ZIP Code 77449

Community Demographics

The ZIP Code 77449, located in Katy, Texas, is known for its diverse community. The area boasts a mix of young professionals, families, and retirees. This diversity contributes to a vibrant and dynamic community. According to the latest census data, the population includes a balanced mix of various age groups, with a significant number of families with children.

Education and Schools

Educational opportunities are abundant in the 77449 ZIP Code, with several highly-rated public and private schools serving the area. The Katy Independent School District is known for its commitment to excellence in education, offering advanced academic programs and numerous extracurricular activities. Additionally, there are several nearby higher education institutions offering a range of degree programs.

Safety and Security

Safety is a paramount concern in the 77449 area. The local police department works diligently to maintain a safe environment through community policing and regular patrols. Neighborhood watch programs are also active, fostering a sense of community and shared responsibility for safety. As a result, residents report feeling secure in their daily activities.

Lifestyle and Amenities

Residents in ZIP Code 77449 enjoy a variety of amenities that cater to diverse interests and lifestyles. The area features numerous parks, recreational facilities, shopping centers, and dining options. Popular destinations include Katy Mills Mall, Bear Creek Pioneers Park, and a range of local eateries offering diverse cuisines. This variety ensures that residents have access to both leisure and necessary amenities.

Housing and Real Estate

Housing options in the 77449 area range from affordable starter homes to more luxurious properties. This wide range ensures that individuals and families can find options that fit their budget and lifestyle. The real estate market is robust, with a steady appreciation in home values, making it an attractive location for both homebuyers and investors.

Transportation and Accessibility

Transportation is convenient within the 77449 ZIP Code, with easy access to major highways, including Interstate 10 and the Grand Parkway. Public transportation options are available, providing connectivity to the greater Houston area. The area is well-served by reliable bus routes, and many residents also take advantage of carpooling and biking for their daily commute.

Climate and Environment

The climate in ZIP Code 77449 is characterized by hot summers and mild winters, typical of the Houston Metropolitan Area. The area’s lush green spaces and scenic parks promote outdoor activities year-round. Environmental initiatives in the community focus on sustainability and maintaining the natural beauty of the area.

Cultural and Social Life

Cultural activities and social events are a prominent feature of life in the 77449 area. The community hosts numerous events throughout the year, such as local festivals, farmers’ markets, and cultural celebrations. These events provide opportunities for residents to connect and celebrate the diverse cultural heritage of the area.

Real Estate Market Trends for ZIP Code 77449

Overview of ZIP Code 77449

ZIP Code 77449 covers a significant part of the city of Katy in Harris County, Texas. The area is characterized by a blend of residential properties, commercial areas, and a number of newly developed communities. Given its proximity to Houston and a well-connected transportation network, ZIP Code 77449 is increasingly attractive to both buyers and investors.

Current Housing Market Conditions

Property Values

As of the latest data, median home prices in ZIP Code 77449 have experienced a notable increase. Current estimates place the median home price at approximately $250,000. This marks a 6% year-over-year growth, which signifies a robust demand in this locality.

Sales Volume

Home sales in 77449 have been brisk, with an average of 120 properties sold per month over the past six months. This sales volume indicates a healthy turnover rate, bolstered by a high demand for both single-family homes and townhouses.

Supply and Demand

Inventory Levels

Currently, ZIP Code 77449 has a housing inventory of roughly 350 active listings. The inventory is relatively balanced, translating to a 2.5 months’ supply. This metric suggests that, while there are homes available, the seller’s market dynamics prevail, leading to potentially higher home prices.

Market Competitiveness

On average, properties in 77449 spend about 32 days on the market before being sold. This relatively short period reflects the competitive nature of the market. Bidding wars are not uncommon, with many homes selling at or above listing price.

Types of Properties

The real estate landscape in ZIP Code 77449 is diverse, predominantly featuring:

  • Single-Family Homes
  • Townhouses
  • Newly Constructed Properties

Single-family homes are the most sought-after, catering to families and individuals seeking more living space. Townhouses offer a more affordable entry point for first-time homebuyers. New constructions, while slightly higher in price, are appealing due to their modern amenities and longer-term value potential.

Demographic Insights

Population Growth

ZIP Code 77449 has witnessed a steady population growth of around 2% annually. This influx is largely driven by people moving from more densely populated areas of Houston, seeking better schooling options, and improved quality of life.

Income Levels

The median household income in this area stands at approximately $78,000. This income bracket supports the local housing market dynamics, allowing for sustainable growth in property values.

Future Outlook

Forecasts for the ZIP Code 77449 real estate market indicate sustained growth. With new commercial projects in the pipeline and ongoing infrastructural improvements, the area is likely to continue attracting both new residents and investors. Experts project a 4-5% annual increase in home values over the next few years, reinforcing the locality’s strong real estate prospects.


In summary, ZIP Code 77449 offers a vibrant and competitive real estate market characterized by rising home values, steady sales volume, and a balanced inventory. Its appeal is likely to persist, buoyed by demographic growth and economic development. For anyone looking to buy or invest in real estate within Harris County, this ZIP code warrants serious consideration.

Property Taxes in ZIP Code 77449


The ZIP Code 77449 encompasses a significant area within the Harris County in Texas, known for its diverse communities and residential neighborhoods. Understanding property taxes in this region is critical for homeowners, potential buyers, and real estate investors.

Property Tax Rates

The property tax rate in 77449 is influenced by various factors, including school districts, county requirements, and local municipal services. On average, the property tax rate hovers around 2.31% of the property’s assessed value, but this can vary. Here are some key elements influencing these rates:

  • School Districts: The quality and funding needs of local schools play a major role.
  • County Services: Harris County levies taxes to fund county-wide services such as law enforcement and public health.
  • Municipal Utility Districts (MUDs): Special tax districts established to provide water, sewage, and other utilities can significantly add to the total tax bill.

Assessed Property Values

Properties in the 77449 area are assessed annually by the Harris County Appraisal District (HCAD). The assessed value is based on the market value of the property as of January 1st each year. Homeowners can challenge these assessments if they believe their property has been overvalued.

Factors considered in property assessments include:

  • Property Location
  • Property Size and Features
  • Market Trends
  • Comparable Sales

Exemptions and Reductions

Several exemptions can help reduce the property tax burden for residents in 77449. Some of the most common exemptions include:

  • Homestead Exemption: Provides a reduction for principal residences, lowering the taxable value by $25,000 for school taxes.
  • Over-65 Exemption: Additional benefits for homeowners aged 65 or older.
  • Disability Exemption: Available for homeowners with qualifying disabilities.
  • Veterans’ Exemption: Significant reductions for disabled veterans and their surviving spouses.

Payment and Penalties

Property tax bills are typically mailed out in October and must be paid by January 31st of the following year to avoid penalties. Late payments can incur significant interest and penalty fees, starting at 6% in February and increasing monthly. Unpaid property taxes can eventually lead to a tax foreclosure.

To facilitate timely payments, Harris County offers multiple payment options:

  • Online payments through the Harris County Tax Office website.
  • In-person payments at designated locations.
  • Mail-in checks or money orders.

Appeals Process

If property owners disagree with their property’s assessed value, they can file a protest with the Harris County Appraisal District. The appeals process involves:

  • Filing a protest by the specified deadline, usually May 15th or 30 days after the assessment notice.
  • Attending an informal review meeting with an HCAD appraiser.
  • If necessary, attending a formal hearing with the Appraisal Review Board (ARB).

Impact of Property Taxes on Home Values

High property taxes can influence home values and buyer decisions in ZIP Code 77449. While robust public services and strong schools funded by these taxes can enhance property values, excessively high rates might deter potential buyers, impacting market dynamics.

Homeowners looking to sell should consider the overall tax burden on potential buyers and may need to adjust their pricing or marketing strategies accordingly.


Property taxes in 77449 are a complex but crucial consideration for all stakeholders. By understanding the rates, assessments, exemptions, and payment responsibilities, residents can better manage their tax liabilities and make informed real estate decisions.

Community Amenities in ZIP Code 77449

ZIP Code 77449, located in Katy, Texas, is renowned for its excellent community amenities. Below is a detailed overview of the amenities that make this area a desirable place to live.

Parks and Recreational Areas

ZIP Code 77449 boasts a variety of parks and recreational areas that cater to residents of all ages:

  • Mason Creek South Hike and Bike Trail: This scenic trail offers a perfect route for jogging, biking, and a peaceful walk surrounded by nature.
  • Bear Creek Pioneers Park: This expansive park features multiple playgrounds, picnic areas, and ample green spaces perfect for family outings.
  • Alief Community Park: A diverse community park offering sports fields, a swimming pool, and walking trails.

Educational Facilities

The schools in ZIP Code 77449 are part of the highly-regarded Katy Independent School District (KISD) and offer a range of educational opportunities:

  • Cimarron Elementary School: Known for its strong academic programs and community involvement.
  • Morton Ranch High School: Offers a variety of extracurricular activities and advanced placement courses.
  • Mayde Creek Junior High School: Focuses on preparing students for high school with a robust curriculum.

Shopping and Dining

Residents in ZIP Code 77449 have access to a variety of shopping and dining options to meet their everyday needs:

  • Westgate Marketplace: A shopping center featuring major retailers, boutiques, and an array of dining options.
  • The Boardwalk at Towne Lake: Offers a mix of retail shops, restaurants, and entertainment venues.
  • LaCenterra at Cinco Ranch: An upscale open-air shopping center with specialty stores and fine dining.

Community Centers

Community centers play a vital role in ZIP Code 77449, providing spaces for social and recreational activities:

  • Katy Family YMCA: Offers fitness classes, swimming, and youth programs fostering community engagement.
  • Mayde Creek Community Center: Features organized activities and events for people of all ages.
  • Bear Creek Community Center: Provides sports programs, daycare services, and education workshops.

Healthcare Facilities

Quality healthcare is easily accessible within ZIP Code 77449, thanks to several well-equipped medical centers:

  • Katy Memorial Hermann Hospital: A comprehensive healthcare facility providing emergency services, diagnostics, and specialist care.
  • Texas Children’s Hospital West Campus: Specializes in pediatric care with state-of-the-art medical services for children.
  • MD Anderson Cancer Center: Offers cutting-edge cancer treatment and research facilities.

Public Transport and Accessibility

The community benefits from excellent public transport and accessibility options:

  • METRO Park & Ride: Provides convenient transportation to key destinations around Houston.
  • Katy Freeway (Interstate 10): Ensures easy access to downtown Houston and the greater Houston area.
  • Grand Parkway (Hwy 99): Connects residents to various parts of Katy and surrounding suburbs.

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