ZIP Code 77520 — Baytown, TX Home Prices (2026)
The typical home in ZIP 77520 (Baytown, Texas) is worth about $174,000 at roughly $130 per square foot — 32% more affordable than the Baytown median and 41% more affordable than the typical U.S. home.
How 77520 compares
ZIP 77520 is one of the more affordable ZIP codes in Baytown: its typical home value of $174,000 ranks #3 of the 3 Baytown ZIP codes we track (the citywide range runs from $174,000 in 77520 to $380,000 in 77523). Per square foot it costs about $130, against $145 for Baytown as a whole, $173 for Texas, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 77520 | $174,000 | $130 |
| Baytown, TX | $256,000 | $145 |
| Texas | $264,000 | $173 |
| United States | $294,000 | $195 |
Home value by size in 77520
Using this ZIP’s rate of about $130 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $130,000 |
| 1,500 sq ft | $195,000 |
| 2,000 sq ft | $260,000 |
| 2,500 sq ft | $325,000 |
| 3,000 sq ft | $390,000 |
Salary needed to buy a home in ZIP 77520
To buy the typical $174,000 home in ZIP 77520 with 20% down, you need a household income of roughly $47,000 a year (about $1,100 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $56,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,700 | $1,370/mo | $59,000/yr |
| 10% (+PMI) | $17,400 | $1,310/mo | $56,000/yr |
| 20% | $34,800 | $1,100/mo | $47,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 77520
At about $130 per square foot, here is roughly how much home different budgets get you in ZIP 77520:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1150 sq ft | around the typical home here |
| $200k | 1540 sq ft | around the typical home here |
| $250k | 1920 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2310 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3080 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 77520 home.
Estimate a specific home in 77520
The estimator below is pre-set to ZIP 77520 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Baytown ZIP codes by home value
Where 77520 sits among Baytown’s 3 ZIP codes:
ZIP 77520 home prices: frequently asked
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See the full Baytown home values page, all Texas cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.