Pedestrian bridge over a lake in Bridgeland, Cypress, Texas

Photo: Bridgeland Span by pinemikey, CC BY-SA 2.0 (cropped)

Buying a home in Cypress, TX

What Cypress homes cost, how fast they sell, the real monthly payment with taxes and insurance, and what your budget buys, from 3,399 HAR MLS sales. Updated October 2026.

Talk to a Cypress buyer's agentSelling in Cypress?

Is it a good time to buy a house in Cypress, TX?

Cypress is a balanced market with 4.6 months of homes for sale (1,302 active single-family listings). Homes sold for a median 97.9% of list price after 33 days, and 53% of sellers paid toward the buyer's closing costs (median $6,898), so there is room to negotiate on homes that have sat.

The Cypress home market, October 2026

From our monthly market report: resale single-family homes closed 2025-10-18 to 2026-10-18, HAR MLS.

Median sale price · 12 mo
$408,115 ▼ 1.1%
Last 3 months $412K · 2,289 resales
Price per sq ft · 12 mo
$160 ▼ 2.6%
Median 2,666 sq ft · built 2009
Days on market · 12 mo
26 days ▲ 4 days
CDOM 41 · 98.2% of list · 75% below original ask
Cash buy target · 12 mo
$275,000 ▼ 3.8%
Median fixer-upper sale (90) · 25% below updated $/sq ft · cash sales $391K
Seller concessions · 12 mo
45% ▲ 7 pts
of sales · median $6,898 (1.7%)
Median rent, houses · 12 mo
$2,400 ▲ 4.3%
1,984 leases · $1.13/sq ft · 3-bed $2,100
2024-102026-10$415K
Median resale price by month, 24 months (gray = the year before).

▲▼ = change vs the 12 months before (2024-10-18 to 2025-10-18). Resale single-family houses, new construction excluded.

Balanced4.6 months of inventory

1,315 single-family homes active, 335 pending, against 284 closings a month (new builds included). Under 4 months favors sellers, over 6 favors buyers.

All single-family sales including new construction: median $420,000; new construction 33% of sales at a median $432,051. For sale today: 1,302 homes at a median list price of $449,900, on the market a median 51 days; 335 under contract. 16% of homes sold have a pool.

The real monthly payment

For the median Cypress home ($420,000) with 10% down ($42,000) at the 7.40% 30-year average (2026-10-15).

Property tax at the median MLS rate before any homestead exemption; insurance 0.9% of price a year; HOA averaged across homes. Mortgage insurance, if any, is extra. Get a lender quote for your own number.

Principal + interest$2,617
Property tax (2.68%)$939
Homeowners insurance$315
HOA (average)$90
Estimated payment / month$3,961

For comparison, a 3-bedroom house in Cypress rents for a median $2,100 a month.

What your budget buys in Cypress

The typical home sold in each price range, last 12 months (new construction included).

Price rangeMedian sq ftBedroomsBuiltNew constructionHomes sold
Under $250K1,554319970%175
$250K–$350K1,9943201128%846
$350K–$450K2,4134201941%904
$450K–$600K2,9204201937%732
$600K and up3,9964201932%742

Cypress by ZIP code

ZIP codes with at least 20 single-family sales in the last 12 months. Flood claims are FEMA flood insurance claims in 10 years.

ZIPMedian pricePrice / sq ftMedian sq ftDays on marketFor sale nowFlood claims (10 yr)
77433$435,000$1782,58335949379
77429$380,000$1522,627293481,824
Costs and risks to check
In 100-year flood zone
3% of resale homes sold
Flood claims, 10 years
3,832 FEMA NFIP, city ZIP codes
Property tax rate
2.52% median on MLS, incl. MUD/PID
HOA
$1,055/yr 97% of homes · check lease rules
Insurance (estimate)
0.9% of value ≈ $195/mo
Cash buyers
27% of 295 sales reporting terms
Days to lease
30 days ▲ 1 days
Rental supply
2.9 mo 519 for lease now

Rates: 30-year fixed average 7.40% (2026-10-15), 6.27% a year earlier; 15-year 6.71% (Freddie Mac via FRED). Investor DSCR loan quote 7.875% (Blink Lending, 2026-10-14).

Buying in Cypress: questions we hear

How much is a house in Cypress, TX?
The median single-family home in Cypress sold for $420,000 over the last 12 months (3,399 sales), $170 per square foot. Resales: $407,500; new construction: $432,051 (33% of sales). Homes for sale today list at a median $449,900.
What is the monthly payment on a $420,000 house in Cypress?
About $3,961 a month with 10% down ($42,000) at the 7.40% 30-year average rate: $2,617 principal and interest, $939 property tax at Cypress's median 2.68% rate, $315 insurance and $90 HOA. A homestead exemption lowers the tax once you live there; mortgage insurance may apply under 20% down. A 3-bedroom house rents for about $2,100 here.
What are property taxes in Cypress, TX?
The median total tax rate on homes sold in Cypress was 2.68% (all taxing units combined, including MUD or PID districts where they apply). Texas has no state income tax, so local property taxes are higher than most states. 98% of homes sold have an HOA (median $1,100 a year).
What school districts serve Cypress?
Homes sold in Cypress in the last 12 months were in Cypress-Fairbanks ISD, Waller ISD, Tomball ISD. Districts follow property lines, not city or ZIP lines, so check the district for each address you consider.
What can I buy in Cypress for my budget?
In the $250K–$350K range, the typical Cypress home sold was 1,994 square feet with 3 bedrooms, built around 2011. Every price range is in the table on this page.
Does Cypress flood?
3% of resale homes sold in Cypress sit in a FEMA 100-year flood zone, and the city's ZIP codes had 3,832 flood insurance claims in 10 years. Check the flood zone and the seller's disclosure for every home, and quote flood insurance before you offer.

Looking somewhere else around Houston?

Buying to rent it out? See rents and cash flow in Cypress. Already own here? See what Cypress homes sell for.

Sources: HAR MLS closed sales, active listings and leases (single-family homes); Freddie Mac 30-year average rate via FRED; FEMA National Flood Insurance Program claims (OpenFEMA). Data as of 2026-10-20; medians for the Cypress postal city (Harris County). Based on information from the Houston Association of REALTORS® MLS; not guaranteed accurate. School district names come from MLS records; verify for each address.

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