Lowest Mortgage Rate near Me, Katy, TX 77494


Safety and Crime Rates in ZIP Code 77494

Overview of ZIP Code 77494

ZIP Code 77494 encompasses parts of Katy, Texas, a rapidly growing suburban area located west of Houston. This region is known for its high-quality school districts, family-friendly neighborhoods, and expanding retail and entertainment options, making it an attractive location for residents and businesses alike.

General Safety in ZIP Code 77494

Overall, ZIP Code 77494 is considered a relatively safe area. The community enjoys a proactive approach from local law enforcement and consistently engages in neighborhood watch programs and other communal safety initiatives. The area’s well-maintained public spaces and efficient emergency response services further contribute to a sense of safety and security among residents.

Specific Crime Rates

Understanding specific crime rates in ZIP Code 77494 provides a more granular view of the area’s safety:

Property Crime

  • Burglary: The burglary rate in ZIP Code 77494 is lower than the national average. Residents often take proactive measures such as installing security systems and participating in neighborhood watch programs.
  • Theft: Instances of theft, including vehicle theft, are also below the national average. This can be attributed to efficient policing and community vigilance.
  • Vandalism: Vandalism incidents are minimal, contributing to the overall well-maintained appearance of the neighborhoods.

Violent Crime

  • Assault: Assault rates in the area are significantly lower compared to national levels, reflecting the generally peaceful nature of the community.
  • Robbery: Robbery incidents are infrequent, though residents are advised to remain cautious, especially in less populated areas at night.
  • Homicide: Homicide rates are extremely low, making it a generally safe locality to reside in.

Law Enforcement and Community Initiatives

The Fort Bend County Sheriff’s Office and the Katy Police Department are the primary law enforcement agencies overseeing safety in ZIP Code 77494. These organizations are highly responsive and maintain a visible presence in the community. Their efforts are complemented by various community-initiated safety programs:

  • Neighborhood Watch Programs: Numerous communities within ZIP Code 77494 have active neighborhood watch programs that cultivate a spirit of collective vigilance.
  • Community Policing: Engaging with residents through community events and social media, the local police departments foster a strong relationship with the public.
  • Public Safety Education: Regular workshops and seminars on topics such as self-defense, cyber safety, and emergency preparedness are conducted to educate residents.

Comparative Analysis

When comparing ZIP Code 77494 to other nearby areas and national averages, the safety profile is notably higher. The area’s low crime rates, proactive community, and effective law enforcement collectively contribute to creating a safe environment.

Nearby ZIP Codes

  • 77450 (Katy): Similar safety profile but with slightly higher property crime rates.
  • 77493 (Katy): Comparable crime rates, though more new developments may affect future statistics.
  • 77094 (Houston): Slightly higher violent crime rates, likely due to its proximity to larger urban centers.


ZIP Code 77494 stands out as a secure and vibrant community within Katy, Texas, backed by low crime rates and robust community involvement in safety measures. The area’s favorable safety profile makes it an appealing destination for families and individuals seeking a well-rounded, secure living environment.

Proximity to Essential Services in ZIP Code 77494

Healthcare Facilities

Residents of ZIP Code 77494 have access to a variety of healthcare facilities that cater to general and specialized medical needs. Key healthcare services include:

  • Houston Methodist West Hospital: Located at 18500 Katy Fwy, this hospital offers a full range of medical services including emergency care, surgery, and outpatient services.
  • Texas Children’s Hospital West Campus: Situated at 18200 Katy Fwy, this facility focuses on pediatric care, providing extensive health services for children.
  • Memorial Hermann Katy Hospital: Found at 23900 Katy Fwy, it offers comprehensive medical care, including trauma and emergency services.

Educational Institutions

The ZIP Code 77494 area is served by top-tier educational institutions, making it an excellent location for families. Notable schools include:

  • Tompkins High School: A part of the Katy Independent School District (KISD) located at 4400 Falcon Landing Blvd, known for its academic excellence.
  • WoodCreek Junior High: Located at 1801 Wood Creek Bend Ln, this junior high school is reputed for its dedication to student development and learning.
  • Stanley Elementary School: Found at 26633 Cinco Terrace Dr, this elementary school provides a nurturing environment for young learners.

Grocery Stores and Supermarkets

Essential grocery needs for residents of 77494 are easily met with numerous grocery stores and supermarkets within close proximity:

  • HEB: Located at 25675 Nelson Way, HEB offers a broad selection of groceries, including fresh produce and household items.
  • Kroger: Situated at 1550 W Grand Pkwy S, this store features a wide variety of groceries along with pharmacy services.
  • Aldi: Found at 5840 FM 1463, Aldi is known for its budget-friendly prices and high-quality products.

Public Transportation

Although designed primarily for car-based commuting, ZIP Code 77494 residents have access to various public transportation options:

  • METRO Park and Ride: Provides convenient access to Houston’s METRO system, allowing seamless travel to the city’s downtown and other major areas.
  • Katy Shuttles: Local shuttle services offer additional transit options within the Katy area, connecting residents to nearby amenities and services.

Parks and Recreational Areas

For leisure and outdoor activities, 77494 offers several parks and recreational venues:

  • Central Green Park: Located at 23501 Cinco Ranch Blvd, this park features outdoor live music, play areas, and green spaces for relaxation.
  • Katy Park: Positioned at 24927 Morton Rd, it provides sports fields, walking trails, and facilities for family picnics and events.
  • Meadowbrook Farms Golf Club: Found at 23230 Meadowbrook Farms Club Dr, this premier golf club offers an 18-hole course designed for both amateur and professional golfers.

Shopping Centers

Residents have access to numerous shopping centers, providing ample retail and dining options:

  • LaCenterra at Cinco Ranch: Situated at 23501 Cinco Ranch Blvd, this open-air retail center offers a variety of shops, restaurants, and entertainment options.
  • Katy Mills Mall: Located at 5000 Katy Mills Cir, the mall features a wide range of retail stores, a food court, and entertainment venues such as an indoor trampoline park and a cinema.
  • Villagio Town Center: Positioned at 22756 Westheimer Pkwy, this shopping center offers boutique stores, casual and fine dining establishments, and personal care services.

Quality of Local Schools in ZIP Code 77494

Overview of Educational Institutions

The educational landscape in ZIP Code 77494, located in Katy, Texas, boasts a variety of high-performing schools. The area is served by the renowned Katy Independent School District (KISD), which is known for its excellent academic programs and facilities.

Elementary Schools

ZIP Code 77494 is home to several top-rated elementary schools. Among them are:

  • Wolman Elementary School: Rated highly for its commitment to academic excellence and strong focus on student engagement. GreatSchools rating: 9/10.
  • Stanley Elementary School: Another exemplary institution offering innovative teaching methods and robust community involvement. GreatSchools rating: 10/10.
  • WoodCreek Elementary School: Known for its diverse extracurricular programs and strong academic curriculum. GreatSchools rating: 8/10.

Middle Schools

Parents in ZIP Code 77494 have access to highly reputable middle schools, ensuring a smooth academic transition from elementary education. Key institutions include:

  • WoodCreek Junior High School: Renowned for its advanced curriculum and state-of-the-art facilities. GreatSchools rating: 9/10.
  • Seven Lakes Junior High School: A school that prides itself on academic excellence and extensive extracurricular activities. GreatSchools rating: 9/10.

High Schools

High school students in ZIP Code 77494 have access to some of the best educational opportunities available in Texas. Noteworthy high schools include:

  • Tompkins High School: A highly-regarded institution known for its rigorous academic programs and impressive college readiness scores. GreatSchools rating: 9/10.
  • Seven Lakes High School: Celebrated for its extensive Advanced Placement (AP) programs and high graduation rates. GreatSchools rating: 10/10.

Special Programs and Extracurricular Activities

Schools in ZIP Code 77494 offer a wide range of special programs and extracurricular activities to cater to diverse student interests and enhance overall development:

  • STEM Programs: Many schools offer strong Science, Technology, Engineering, and Mathematics (STEM) programs designed to prepare students for future careers in these fields.
  • Arts and Culture: Students can participate in various arts and cultural programs, including theater, music, and visual arts.
  • Sports: There is a range of athletic programs available, from football and basketball to swimming and track & field.

Community Involvement

The schools in ZIP Code 77494 benefit from strong community support and involvement. Parents, local businesses, and community organizations frequently collaborate with schools to provide resources, volunteer opportunities, and additional funding for various programs.

Student-to-Teacher Ratio

One of the key factors contributing to the quality of schools in ZIP Code 77494 is the favorable student-to-teacher ratio. Most schools in this area maintain a ratio that allows for personalized attention and customized learning experiences, contributing to higher student performance and satisfaction.

Facilities and Resources

The educational institutions in ZIP Code 77494 are equipped with modern facilities and resources designed to support a comprehensive learning experience:

  • Advanced Technology: Classrooms are outfitted with the latest technology to enhance the learning process, including smartboards, tablets, and computer labs.
  • Libraries: Schools feature well-stocked libraries with a wide selection of books and digital resources.
  • Sports Facilities: Top-notch athletic facilities, including gyms, stadiums, and swimming pools, support physical education and competitive sports.

Academic Performance

The academic performance of schools in ZIP Code 77494 is consistently high, with students regularly outperforming state and national averages on standardized tests and college entrance exams:

  • Standardized Test Scores: Students in this area achieve high scores on state assessments such as the STAAR (State of Texas Assessments of Academic Readiness).
  • College Admissions: Graduates from these schools often gain acceptance into prestigious universities and colleges both within Texas and nationwide.

The strong emphasis on quality education, robust community involvement, and excellent resources makes ZIP Code 77494 a desirable area for families prioritizing educational excellence for their children.

Public Transportation Access for ZIP Code 77494

Overview of Public Transportation in 77494

The ZIP Code 77494 encompasses a significant portion of Katy, Texas, a rapidly growing suburb of the Houston metropolitan area. Public transportation within this region is primarily managed by local and regional transit authorities designed to facilitate commuting and connectivity across the area.

Transportation Services Available

Katy-Fort Bend County Public Transportation

The primary public transportation service provider in 77494 is the Katy-Fort Bend County Public Transportation system. This service offers a range of routes throughout Katy and Fort Bend County, focusing on key areas such as commercial centers, residential zones, and essential civic services.

METRO Park and Ride

The METRO Park and Ride system serves as an essential transportation hub for 77494 residents who need to commute to downtown Houston or other significant commercial districts. The closest stations are conveniently located for easy access from major highways.

Additional Shuttle Services

Several private and community shuttle services operate within the region, including shuttles provided by residential communities, large employers, and educational institutions, ensuring a more personalized and convenient transportation option for daily commuters.

Routes and Scheduling

Route Coverage

The public transportation routes in 77494 are designed to maximize coverage across key areas including:

  • Main Street Downtown Katy
  • Shopping Centers such as Katy Mills and LaCenterra at Cinco Ranch
  • Connection points to major highways like I-10 and the Grand Parkway (99)
  • Nearby suburbs and neighborhoods to facilitate commuter movement

Frequency and Timings

Major public transportation routes generally operate from early morning to late evening, catering to peak commuting hours with increased frequency. Specific timings and frequency details are regularly updated by the transportation authorities, with schedules viewable online or through commuter service apps.

Accessibility and Infrastructure

Infrastructure Development

Over recent years, investments in the public transportation infrastructure in 77494 have been significant. New bus stops, modernized Park and Ride facilities, and well-maintained transit hubs ensure efficient transportation service operations.

ADA Compliance

All public transportation services within 77494 meet the Americans with Disabilities Act (ADA) compliance guidelines, ensuring accessibility for all residents, including those with special needs. Features include low-floor buses, ramps, and priority seating.

Passes and Fares

Ticketing Options

Passengers can utilize various ticketing options, including single-ride tickets, day passes, weekly passes, and monthly subscriptions. These options provide flexibility based on individual commuting needs.

Fare Costs

Fare structures are designed to be affordable, with regular fare updates to reflect commuting patterns and operational costs. Reduced fare programs are available for seniors, students, and low-income residents.

Commuter Resources

Mobile Apps and Online Services

Residents in 77494 have access to a variety of mobile apps and online resources to assist with planning their commutes. Real-time route tracking, schedule updates, and fare information are available through official transportation service websites and third-party apps.

Customer Support

For additional help, comprehensive customer support services are provided by the transit authorities. Assistance includes route planning, fare inquiries, and lost-and-found services, ensuring a positive commuting experience for all users.

Environmental Impact

Sustainability Initiatives

Public transportation efforts in 77494 include numerous sustainability initiatives aimed at reducing the carbon footprint. These include the adoption of fuel-efficient buses, encouragement of ridesharing programs, and investment in eco-friendly infrastructure.

Community Engagement

Ongoing community engagement programs allow residents to participate in planning and decision-making processes related to public transportation. This collaborative approach helps in creating a more effective and resident-friendly public transportation system.

Future Developments

Planned Projects

Future development plans include expanding route coverage, enhancing infrastructure, and integrating new technologies to improve service efficiency and user experience. Continued investments in public transportation are poised to support the growing population of the 77494 area.

Long-term Vision

The long-term vision for public transportation in 77494 aligns with regional development goals, focusing on sustainability, efficiency, and enhanced connectivity to support the community’s lifestyle and economic growth.

Neighborhood Atmosphere in the 77494 ZIP Code

Overview of 77494

ZIP Code 77494 covers part of the esteemed city of Katy, Texas. Known for its family-friendly environment, excellent schools, and a sense of community, it’s one of the most desirable ZIP codes in the Houston metropolitan area.

Community Vibe

Residents of 77494 often describe the neighborhood as peaceful and welcoming. The area boasts a combination of suburban serene and urban convenience, making it highly attractive for families and professionals alike.

Social Environment

The community spirit is strong, with numerous neighborhood events and activities promoting interaction among residents. Community centers and parks are central hubs for social gatherings, making it easy for newcomers to feel at home.


Safety is a top priority for residents in 77494. The area benefits from a low crime rate and active neighborhood watch programs, ensuring a secure environment for families and individuals.

Educational Opportunities

Education is a cornerstone of the 77494 community. The area is served by some of the highest-rated public schools in Texas, such as:

  • Katy High School
  • Seven Lakes High School
  • WoodCreek Junior High

Additionally, there are several private and charter schools in the vicinity, providing a range of educational options.

Recreational Opportunities

Residents in 77494 have access to a variety of recreational activities. The neighborhood parks, sports complexes, and communal pools create a vibrant outdoor scene.

Parks and Green Spaces

The area features numerous parks like:

  • Central Green Park
  • Exploration Park
  • Katy Park

These parks offer trails, playgrounds, and picnic areas, encouraging active lifestyles among residents.

Cultural Activities

Abundant cultural activities enrich the community life in 77494. Regular art shows, music festivals, and farmers markets provide residents with ample opportunities for leisure and entertainment.

Amenities and Services

The neighborhood is equipped with a broad range of amenities and services:

  • Shopping Centers: LaCenterra at Cinco Ranch, Katy Mills Mall
  • Healthcare: Memorial Hermann Katy Hospital, Houston Methodist West Hospital
  • Dining: A variety of restaurants offering diverse culinary experiences

These amenities contribute significantly to the convenience and overall quality of life in 77494.

Real Estate Landscape

The real estate market in 77494 is robust, offering a mix of modern single-family homes, townhouses, and luxury estates. Neighborhoods like Cinco Ranch and Cross Creek Ranch are particularly popular, known for their well-maintained landscapes and family-friendly design.

Transportation and Accessibility

Accessibility is another key feature of the 77494 area. The neighborhood has excellent connectivity to major highways like I-10 and Grand Parkway (Highway 99), facilitating smooth commutes to downtown Houston and other nearby cities.

Public Transport

While public transportation options are limited, the majority of residents rely on personal vehicles for commuting. However, the easy access to major highways makes daily commutes relatively hassle-free.


In summary, the 77494 ZIP code offers an exceptional neighborhood atmosphere characterized by strong community bonds, safety, educational excellence, abundant recreational activities, and a comprehensive range of amenities. It remains a top choice for families, professionals, and anyone seeking a balanced suburban-urban lifestyle.

Real Estate Market Trends for ZIP Code 77494


The real estate market in ZIP Code 77494, located in the affluent area of Katy, Texas, has shown remarkable growth and stability in recent years. This report delves into various trends, including pricing, inventory, and demand, shaping the market.

Home Prices

Home prices in ZIP Code 77494 have experienced a steady increase. As of the latest data, the median home price stands at approximately $450,000, reflecting an annual appreciation rate of around 5%. This trend highlights the area’s desirability among buyers.

  • Single-family homes: The median price for single-family homes is $460,000, marking a 4.5% rise year-over-year.
  • Townhouses: Townhouses in the region have a median price of $320,000, with prices increasing by 3% annually.
  • Condos: Condos remain relatively affordable with a median price of $210,000, witnessing a 2% appreciation.

Inventory Levels

Inventory levels in ZIP Code 77494 indicate a balanced market, neither favoring buyers nor sellers. The area has maintained an average inventory hovering around 3 months of supply. This is a sign of healthy market conditions.

Demand and Buyer Activity

Demand in the 77494 real estate market remains robust, driven by several factors such as excellent schools, quality of life, and proximity to Houston. Buyer activity has been particularly high among the following demographics:

  • Young Families: Attracted by top-rated schools and family-friendly amenities.
  • Professionals: Seeking proximity to energy sector jobs and corporate hubs.
  • Retirees: Looking for serene environments with convenient access to healthcare facilities and leisure activities.

New Construction

New construction plays a significant role in the 77494 market. Builders are actively developing several new communities, offering modern amenities and various floor plans to cater to a diverse set of buyers. Some prominent developments include:

  • Cross Creek Ranch
  • Cane Island
  • Jordan Ranch

Rental Market

While the majority of the market consists of owner-occupied properties, the rental market in 77494 has also seen growth. The average rental rate stands at $1,800 per month for single-family homes, which is competitive compared to neighboring ZIP Codes.

Market Challenges

Despite the positive trends, the 77494 market faces challenges such as:

  • Affordability: Rising prices have made it challenging for some buyers, particularly first-time homebuyers, to enter the market.
  • Inventory Constraints: While levels are balanced, a surge in demand could quickly shift the market dynamics, leading to potential shortages.
  • Economic Factors: Fluctuations in the broader economy, including interest rate changes, could impact buyer activity and affordability.


The real estate market in ZIP Code 77494 continues to thrive due to its appealing location, strong demand, and ongoing new developments. While facing certain challenges, the overall outlook remains positive, making it a promising area for both current and prospective homeowners.

Property Taxes for ZIP Code 77494

Overview of Property Taxes in 77494

The ZIP Code 77494, located in Katy, Texas, falls within Fort Bend County. Property taxes in this area are an essential financial obligation for homeowners and are used to fund various local services, such as education, infrastructure, and public safety.

Property Tax Rate

The property tax rate in ZIP Code 77494 is determined by multiple overlapping jurisdictions, including the Fort Bend County government, school districts, and other special districts. As of the most recent assessment:

  • Fort Bend County: Approximately 0.4450%
  • Katy Independent School District: Approximately 1.3888%
  • City of Katy: Approximately 0.4867%
  • Special Districts: Varies, typically around 0.1000% – 0.1500%

This results in a combined property tax rate that typically ranges between 2.0% – 2.5%.

Calculation of Property Taxes

Property taxes in ZIP Code 77494 are calculated based on the appraised value of the property. The Fort Bend County Appraisal District is responsible for assessing the market value of properties annually. The formula for calculating the property tax is as follows:

Property Tax = Appraised Value of the Property × Combined Tax Rate

For example, for a home with an appraised value of $300,000 and a combined tax rate of 2.2%, the annual property tax owed would be:

Property Tax = $300,000 × 0.022 = $6,600

Exemptions and Reductions

Homestead Exemption

Homeowners in ZIP Code 77494 can apply for a Homestead Exemption, which reduces the appraised value of their primary residence. The standard homestead exemption for school taxes in Texas is $25,000 off the appraised value.

Senior and Disabled Persons Exemptions

Additional exemptions are available for senior citizens (65 years and older) and disabled persons. These exemptions can significantly reduce the tax burden.

Tax Payment and Due Dates

Property tax bills are typically mailed out in October, and payments are due by January 31st of the following year.

Key dates to remember include:

  • October 1: Tax bills mailed
  • January 31: Payment due date

Payments can be made online, via mail, or in person at designated payment centers.

Appealing Property Tax Appraisals

Homeowners have the right to appeal their property tax appraisal if they believe it is too high. The appeal process generally involves the following steps:

  1. Review the appraisal notice sent by the Fort Bend County Appraisal District.
  2. File a formal protest with the Appraisal Review Board (ARB).
  3. Attend a hearing to present evidence supporting your appeal, such as recent sales data or appraisals.

Effect of Property Taxes on Homeowners

High property taxes can influence the overall cost of home ownership in ZIP Code 77494. Prospective buyers should consider these costs when evaluating their home purchase decision.

Resources for Homeowners

Community Amenities in ZIP Code 77494

Parks and Recreation

In the 77494 ZIP code, residents can enjoy an abundance of parks and recreational areas. Some notable parks include:

  • Katy Mills Park: A sprawling area featuring walking trails, playgrounds, and picnic zones, perfect for families.
  • Central Green Park: An entertainment hub offering outdoor concerts and movie nights.
  • George Bush Park: This massive park includes a large reservoir, bike trails, and plenty of green space for leisure activities.

Additionally, fitness enthusiasts can take advantage of various sports complexes and community centers providing facilities for basketball, swimming, and other activities.


The 77494 area boasts a highly acclaimed education system. Top-rated public schools in the Katy Independent School District (KISD) include:

  • Tompkins High School: Known for its comprehensive curriculum and advanced placement programs.
  • Seven Lakes High School: Offers a wide variety of extracurricular activities and rigorous academic standards.
  • Cinco Ranch High School: Features numerous honors courses and a strong emphasis on student achievement.

In addition, the area is home to several reputable private schools and early childhood education centers.

Shopping and Dining

Residents of the 77494 ZIP code enjoy an extensive selection of shopping and dining options. Among the popular destinations are:

  • Katy Mills Mall: A large shopping center featuring both retail stores and entertainment venues.
  • LaCenterra at Cinco Ranch: An upscale shopping area with a mix of high-end boutiques, eateries, and services.
  • The Villagio Town Center: Offers a blend of dining establishments, shops, and professional offices.

The area also boasts a diverse culinary scene, with restaurants ranging from casual diners to fine dining establishments.

Healthcare Facilities

Access to top-tier healthcare facilities is a significant benefit for residents of the 77494 ZIP code. Prominent medical centers include:

  • Houston Methodist West Hospital: Provides comprehensive medical services, including emergency care, surgery, and specialized treatment.
  • Memorial Hermann Katy Hospital: Known for its high-quality patient care and advanced medical technologies.
  • Texas Children’s Hospital West Campus: Specializes in pediatric care with a broad range of healthcare services for children.


The 77494 area is well-connected, offering convenient access to major thoroughfares and public transportation options. Key highlights include:

  • Grand Parkway (SH 99): Facilitates easy travel to surrounding areas, including major cities and suburban communities.
  • I-10 (Katy Freeway): Connects residents to downtown Houston and other parts of the metropolitan area.
  • Katy Area Transit (KAT): Provides bus services and park-and-ride facilities for daily commuters.

Community Events and Activities

Residents in ZIP code 77494 have access to numerous community events and activities throughout the year. These include:

  • Katy Rice Harvest Festival: An annual celebration featuring live music, food stalls, and family-friendly activities.
  • Cinco Ranch Fourth of July Parade: A patriotic event showcasing local bands, floats, and fireworks.
  • Farmers Markets: Regular markets offering fresh produce, artisanal goods, and local crafts.

Libraries and Cultural Centers

The area is rich in cultural and educational resources, with facilities such as:

  • Katy Branch Library: Offers a wide range of books, digital resources, and community programs.
  • Josey Lake: A cultural landmark with scenic views, trails, and educational plaques about the local ecosystem.

Fitness and Wellness

The 77494 ZIP code has an array of fitness and wellness centers that cater to different health needs. Key facilities include:

  • Lifetime Fitness: A comprehensive fitness center featuring state-of-the-art equipment, pools, and group classes.
  • VillaSport Athletic Club and Spa: Offers extensive amenities including a spa, indoor/outdoor pools, and a variety of sports courts.
  • Pure Barre: A specialized fitness studio focusing on low-impact, high-intensity workouts.

Religious and Spiritual Centers

The community in 77494 embraces religious and spiritual diversity with numerous places of worship and spiritual centers such as:

  • St. Bartholomew the Apostle Catholic Church: Provides religious services, community outreach, and education programs.
  • Grace Fellowship United Methodist Church: Known for its vibrant congregation and active community service initiatives.
  • Al Noor Islamic Society: Offers religious services, educational programs, and cultural activities for the Muslim community.

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