The story of this market
The typical home in ZIP 77364 sells for about $224,000, or $145 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,350 a month.
ZIP 77364 — Point Blank
The housing market in 77364 is characterized by stable, moderate growth driven by its appeal as a recreational and retirement destination. Inventory levels remain elevated relative to sales volume, resulting in a longer-than-average time on market. Prices have seen modest year-over-year appreciation, reflecting a steady demand for lake-adjacent properties.
This ZIP is well-suited for retirees, vacation-home buyers, and those seeking a quiet, lake-oriented lifestyle away from dense urban centers.
Median prices moved up 2.1% year over year.
Homes spend a median of 88 days on market with 9.3 months of supply — a slower-moving market.
18% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.8% · poverty 12.4% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 77364, Polk County TX
The area is subject to flood risks associated with Lake Livingston and regional weather patterns.
Economic momentum is primarily driven by recreational tourism and lake-related activities rather than large-scale industrial or corporate development.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the… State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00).
Commuting is primarily car-dependent, with residents typically driving to employment centers in Livingston or the greater Houston metropolitan area.
The area is defined by its proximity to Lake Livingston, offering extensive opportunities for boating, fishing, and outdoor recreation.
The rental market is characterized by a mix of long-term residential leases and seasonal/short-term vacation rentals catering to lake visitors.
The local economy is largely supported by tourism, outdoor recreation, and small-scale service industries.
Transportation is limited to regional highway access; there is no public transit infrastructure.
The Polk County Appraisal District manages property assessments for the area.
Parcels may be subject to various special districts including water control and improvement districts related to lake management.
Property insurance premiums are influenced by regional flood risk and proximity to the Gulf Coast hurricane zone.
Data retrieved from US Census Bureau ZCTA 77364 profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A major reservoir providing extensive boating, fishing, and recreational access.
Provides camping, hiking trails, and direct lake access for the community.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.