Historic rice dryer silo in downtown Katy, Texas

Photo: Dryer Silo, Katy by Chday, CC0

Buying a home in Katy, TX

What Katy homes cost, how fast they sell, the real monthly payment with taxes and insurance, and what your budget buys, from 5,933 HAR MLS sales. Updated October 2026.

Talk to a Katy buyer's agentSelling in Katy?

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

Katy is a balanced market with 5.2 months of homes for sale (2,553 active single-family listings). Homes sold for a median 97.6% of list price after 27 days, and 57% of sellers paid toward the buyer's closing costs (median $6,500), so there is room to negotiate on homes that have sat.

The Katy 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
$352,500 ▼ 2.1%
Last 3 months $338K · 3,736 resales
Price per sq ft · 12 mo
$159 ▼ 3.0%
Median 2,436 sq ft · built 2006
Days on market · 12 mo
25 days ▲ 4 days
CDOM 45 · 98.1% of list · 77% below original ask
Cash buy target · 12 mo
$259,000 ▼ 2.3%
Median fixer-upper sale (165) · 20% below updated $/sq ft · cash sales $306K
Seller concessions · 12 mo
43% ▲ 4 pts
of sales · median $6,500 (1.9%)
Median rent, houses · 12 mo
$2,200 ▼ 2.2%
5,503 leases · $1.12/sq ft · 3-bed $1,995
2024-102026-10$338K
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.

Balanced5.2 months of inventory

2,566 single-family homes active, 609 pending, against 495 closings a month (new builds included). Under 4 months favors sellers, over 6 favors buyers.

All single-family sales including new construction: median $345,000; new construction 37% of sales at a median $335,000. For sale today: 2,553 homes at a median list price of $369,000, on the market a median 51 days; 609 under contract. 13% of homes sold have a pool.

The real monthly payment

For the median Katy home ($345,000) with 10% down ($34,500) 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$2,150
Property tax (2.66%)$765
Homeowners insurance$259
HOA (average)$94
Estimated payment / month$3,268

For comparison, a 3-bedroom house in Katy rents for a median $1,995 a month.

What your budget buys in Katy

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

Price rangeMedian sq ftBedroomsBuiltNew constructionHomes sold
Under $250K1,4613200531%596
$250K–$350K1,9524202143%2,469
$350K–$450K2,5324201840%1,176
$450K–$600K2,9944201533%854
$600K and up3,9045201324%838

Katy 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)
77493$335,000$1592,229321,348615
77494$485,000$1722,88223510242
77449$270,000$1441,92027464307
77450$394,000$1622,504172221,221
Costs and risks to check
In 100-year flood zone
2% of resale homes sold
Flood claims, 10 years
4,939 FEMA NFIP, city ZIP codes
Property tax rate
2.29% median on MLS, incl. MUD/PID
HOA
$825/yr 96% of homes · check lease rules
Insurance (estimate)
0.9% of value ≈ $186/mo
Cash buyers
28% of 475 sales reporting terms
Days to lease
29 days ■ flat
Rental supply
3.0 mo 1,434 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 Katy: questions we hear

How much is a house in Katy, TX?
The median single-family home in Katy sold for $345,000 over the last 12 months (5,933 sales), $160 per square foot. Resales: $353,200; new construction: $335,000 (37% of sales). Homes for sale today list at a median $369,000.
What is the monthly payment on a $345,000 house in Katy?
About $3,268 a month with 10% down ($34,500) at the 7.40% 30-year average rate: $2,150 principal and interest, $765 property tax at Katy's median 2.66% rate, $259 insurance and $94 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 $1,995 here.
What are property taxes in Katy, TX?
The median total tax rate on homes sold in Katy was 2.66% (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. 97% of homes sold have an HOA (median $1,160 a year).
What school districts serve Katy?
Homes sold in Katy in the last 12 months were in Katy ISD, Cypress-Fairbanks ISD, Royal ISD, Lamar Consolidated ISD. Districts follow property lines, not city or ZIP lines, so check the district for each address you consider.
What can I buy in Katy for my budget?
In the $250K–$350K range, the typical Katy home sold was 1,952 square feet with 4 bedrooms, built around 2021. Every price range is in the table on this page.
Does Katy flood?
2% of resale homes sold in Katy sit in a FEMA 100-year flood zone, and the city's ZIP codes had 4,939 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 Katy. Already own here? See what Katy 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 Katy postal city (Harris, Fort Bend and Waller counties). Based on information from the Houston Association of REALTORS® MLS; not guaranteed accurate. School district names come from MLS records; verify for each address.

Buying in Katy?

Tell us your budget, timing and must-haves. A Gableway agent sends homes that fit and can set up showings.

Prefer email? hello@gableway.com

By submitting, you agree to receive recurring automated messages, including meeting reminders, at the phone number provided to Gableway, LLC. Consent is not a condition of purchase. Reply STOP to unsubscribe, HELP for help. Message frequency varies. Msg and data rates may apply. See our privacy policy.