Resources/Houston ZIP Code Map/MUDs & Property Tax
Houston MUD districts, by ZIP code.
The line on your tax bill nobody explains before you buy. Which ZIP codes sit inside a Municipal Utility District, and how many operate in each.
I’m Eddie Weir, a REALTOR® with REMAX Signature in Greater Houston. Buyers moving here are regularly surprised by their first tax bill, and the surprise usually has three letters: MUD.
There are 1,254 Municipal Utility Districts in this metro, part of 1,569 water districts overall. 28 ZIP codes have more than half their land inside one. 77494 alone contains 36.
What this page will not do is quote you a tax rate per ZIP, because no honest source can. Your rate is the sum of the entities layered over your specific parcel, and MUD rates differ sharply between subdivisions a mile apart and change every year. What it does instead is tell you where MUDs are, so you know when to ask.
What it is
What a MUD is and why it is on your bill
A Municipal Utility District is a local government created to finance water, sewer and drainage for development outside city utility service. The district issues bonds to build the infrastructure, then levies a property tax to repay them. That is why MUDs cluster in the fast-growing unincorporated suburbs and are largely absent inside Houston city limits.
It is not a scam and it is not a red flag. It is how much of suburban Houston got built. But it is real money and it belongs in your budget before you write an offer, not after.
Compare the full tax bill. Nearby homes can be taxed by different sets of entities, each with its own adopted rate. Compare the current bills and rates for the homes you are considering. Do not assume a district’s rate will fall as it pays down debt.
MUD tax is on top of everything else. County, school district, community college, city if incorporated, then the MUD. That stack is why Greater Houston total rates commonly land well above the state average in MUD areas.
Highest concentration
The ten ZIP codes most covered by MUDs
| ZIP | Inside a MUD | Districts | Community |
|---|---|---|---|
| 77095 | 89% | 23 | Cypress & Cy-Fair |
| 77083 | 87% | 11 | Mission Bend, Houston, Four Corners |
| 77382 | 82% | 5 | The Woodlands |
| 77449 | 82% | 29 | Katy |
| 77381 | 81% | 7 | The Woodlands |
| 77380 | 78% | 10 | The Woodlands |
| 77407 | 77% | 20 | Richmond & Rosenberg |
| 77494 | 76% | 36 | Cinco Ranch · Fulshear · Katy |
| 77068 | 74% | 9 | Houston |
| 77346 | 73% | 14 | Kingwood & Atascocita |
These are the fast-growth suburban ZIPs, and the pattern is exactly what you would expect: master-planned communities built outside city utility service. If you are shopping Katy, Cypress, Fulshear, Richmond or the north corridor, assume a MUD until you confirm otherwise.
The inverse is just as useful. 123 of the 252 ZIPs here contain no MUD at all, and those are concentrated inside Houston city limits and the older incorporated suburbs, where city utilities were already in place.
The full mapping
Every Greater Houston ZIP code and its MUD coverage
Grouped by primary county, most MUD coverage first. The county heading names the appraisal district that assesses those parcels, which is where you look up the actual rate.
Jump to a ZIP code: all 252, by county
Harris County
- 77002 Houston
- 77003 Houston
- 77004 Houston
- 77005 West University Place, Houston, Southside Place
- 77006 Houston
- 77007 Houston
- 77008 Houston
- 77009 Houston
- 77010 Houston
- 77011 Houston
- 77012 Houston
- 77013 Houston
- 77014 Houston
- 77015 Houston, Cloverleaf, Galena Park
- 77016 Houston
- 77017 Houston, Pasadena
- 77018 Houston
- 77019 Houston
- 77020 Houston
- 77021 Houston
- 77022 Houston
- 77023 Houston
- 77024 Houston, Piney Point Village, Hunters Creek Village
- 77025 Houston, Southside Place, West University Place
- 77026 Houston
- 77027 Houston
- 77028 Houston
- 77029 Houston, Jacinto City, Galena Park
- 77030 Houston
- 77031 Houston, Stafford
- 77032 Houston, Aldine
- 77033 Houston
- 77034 Houston
- 77035 Houston
- 77036 Houston
- 77037 Houston, Aldine
- 77038 Houston
- 77039 Aldine, Houston
- 77040 Houston, Jersey Village
- 77041 Houston, Jersey Village
- 77042 Houston
- 77043 Houston
- 77044 Houston, Atascocita
- 77045 Houston
- 77046 Houston
- 77047 Houston, Pearland
- 77048 Houston
- 77049 Sheldon, Houston, Channelview
- 77050 Houston
- 77051 Houston
- 77054 Houston
- 77055 Houston, Spring Valley Village, Hilshire Village
- 77056 Houston
- 77057 Houston
- 77058 Houston, Pasadena, Nassau Bay
- 77059 Houston, Pasadena
- 77060 Houston, Aldine
- 77061 Houston
- 77062 Houston
- 77063 Houston, Piney Point Village, Hunters Creek Village
- 77064 Houston, Jersey Village
- 77065 Houston, Jersey Village
- 77066 Houston
- 77067 Houston
- 77068 Houston
- 77069 Houston
- 77070 Houston
- 77071 Houston, Missouri City
- 77072 Houston
- 77073 Houston
- 77074 Houston
- 77075 Houston
- 77076 Houston
- 77077 Houston
- 77078 Houston
- 77079 Houston
- 77080 Houston
- 77081 Houston, Bellaire
- 77082 Houston
- 77083 Mission Bend, Houston, Four Corners
- 77084 Houston
- 77085 Houston, Missouri City
- 77086 Houston
- 77087 Houston
- 77088 Houston
- 77089 Houston, Pearland, Friendswood
- 77090 Houston
- 77091 Houston
- 77092 Houston
- 77093 Houston
- 77094 Houston
- 77095 Houston
- 77096 Houston
- 77098 Houston
- 77099 Houston, Meadows Place
- 77204 Houston
- 77336 Houston
- 77338 Houston, Humble, Atascocita
- 77339 Houston
- 77345 Houston
- 77346 Atascocita, Houston
- 77373 Spring, Houston
- 77375 Tomball, The Woodlands, Houston
- 77377 Tomball, Houston
- 77379 Houston
- 77388 Houston
- 77389 The Woodlands, Houston
- 77396 Houston, Atascocita, Humble
- 77401 Bellaire, Houston
- 77429 Houston
- 77433 Houston
- 77447 Houston
- 77449 Katy
- 77450 Houston, Cinco Ranch
- 77493 Katy, Houston
- 77502 Pasadena
- 77503 Pasadena, Deer Park
- 77504 Pasadena, Houston
- 77505 Pasadena, La Porte, Deer Park
- 77506 Pasadena, Houston
- 77507 Pasadena, La Porte
- 77520 Baytown, Houston
- 77521 Baytown, Mont Belvieu
- 77530 Channelview, Houston
- 77532 Barrett, Houston, Crosby
- 77536 Deer Park, Pasadena
- 77547 Galena Park, Houston
- 77562 Highlands, Barrett, Baytown
- 77571 La Porte, Houston, Morgan's Point
- 77586 Seabrook, Pasadena, Taylor Lake Village
- 77587 South Houston, Houston
- 77598 Webster, Houston, League City
Fort Bend County
- 77053 Houston
- 77406 Pecan Grove, Fulshear, Houston
- 77407 Houston, Mission Bend
- 77417 Beasley, Rosenberg, Kendleton
- 77420 Boling, Iago
- 77435 East Bernard
- 77441 Fulshear, Weston Lakes, Simonton
- 77444 Unincorporated Fort Bend County
- 77451 Kendleton
- 77459 Missouri City, Sienna, Sugar Land
- 77461 Needville, Fairchilds, Pleak
- 77464 Orchard
- 77469 Rosenberg, Richmond, Thompsons
- 77471 Rosenberg, Cumings, Pleak
- 77476 Simonton
- 77477 Stafford, Meadows Place, Fifth Street
- 77478 Sugar Land, Stafford
- 77479 Sugar Land, Missouri City
- 77481 Thompsons
- 77489 Missouri City, Houston, Stafford
- 77494 Katy, Houston, Cinco Ranch
- 77498 Sugar Land, Four Corners, Houston
- 77545 Fresno, Missouri City, Houston
Montgomery County
- 77301 Conroe, Cut and Shoot
- 77302 Conroe, Grangerland, Woodloch
- 77303 Conroe, Cut and Shoot
- 77304 Conroe, Panorama Village
- 77306 Grangerland, Cut and Shoot, Deerwood
- 77316 Conroe, Montgomery
- 77318 Conroe, Willis, Panorama Village
- 77328 Cleveland, North Cleveland, Splendora
- 77354 Pinehurst, Magnolia, The Woodlands
- 77355 Stagecoach, Magnolia, Pinehurst
- 77356 Montgomery, Conroe
- 77357 Roman Forest, Woodbranch, Houston
- 77358 New Waverly
- 77362 Pinehurst, Tomball
- 77365 Porter Heights, Houston
- 77372 Splendora, Patton Village, Roman Forest
- 77378 Willis, Conroe
- 77380 The Woodlands, Houston, Shenandoah
- 77381 The Woodlands, Shenandoah
- 77382 The Woodlands, Conroe
- 77384 Conroe, The Woodlands, Shenandoah
- 77385 The Woodlands, Conroe, Oak Ridge North
- 77386 Houston, Oak Ridge North
- 77873 Richards, Shiro
Galveston County
- 77510 Santa Fe, Hitchcock, La Marque
- 77517 Santa Fe, Dickinson, Alvin
- 77518 Bacliff, Texas City, Kemah
- 77539 Texas City, Dickinson, League City
- 77546 Friendswood, League City, Houston
- 77550 Galveston
- 77551 Galveston
- 77554 Galveston, Jamaica Beach, Hitchcock
- 77555 Galveston
- 77563 Hitchcock, La Marque, Bayou Vista
- 77565 Kemah, League City, Clear Lake Shores
- 77568 La Marque, Texas City, Hitchcock
- 77573 League City, Texas City
- 77590 Texas City
- 77591 Texas City, La Marque
- 77617 Bolivar Peninsula
- 77623 Bolivar Peninsula
- 77650 Bolivar Peninsula
Brazoria County
- 77422 Wild Peach Village, Brazoria, Lake Jackson
- 77430 Damon
- 77431 Unincorporated Brazoria County
- 77480 Sweeny
- 77486 West Columbia, East Columbia, Wild Peach Village
- 77511 Alvin, League City, Manvel
- 77515 Angleton, Bailey's Prairie, Lake Jackson
- 77531 Clute, Richwood, Lake Jackson
- 77534 Danbury, Alvin
- 77541 Freeport, Jones Creek, Oyster Creek
- 77566 Lake Jackson, Clute, Richwood
- 77577 Liverpool
- 77578 Manvel, Pearland, Alvin
- 77581 Pearland, Brookside Village
- 77583 Iowa Colony, Alvin, Rosharon
- 77584 Pearland, Manvel, Alvin
Liberty County
- 77327 Cleveland, Plum Grove, North Cleveland
- 77368 Unincorporated Liberty County
- 77369 Big Thicket Lake Estates
- 77371 Shepherd, Cleveland
- 77533 Daisetta
- 77535 Dayton, Liberty, Mont Belvieu
- 77538 Devers
- 77561 Hardin
- 77564 Hull
- 77575 Liberty, Ames, Hardin
- 77582 Devers
- 77629 Nome
Austin County
- 77418 Bellville
- 77426 Unincorporated Austin County
- 77473 San Felipe
- 77474 Sealy, San Felipe, Brazos Country
- 77485 Wallis, Simonton
- 77833 Brenham
- 77835 Burton
- 78931 Unincorporated Austin County
- 78933 Unincorporated Austin County
- 78940 Fayetteville
- 78944 Industry
- 78950 New Ulm
- 78954 Round Top
Chambers County
- 77514 Anahuac, Oak Island
- 77523 Mont Belvieu, Baytown, Beach City
- 77560 Unincorporated Chambers County
- 77580 Mont Belvieu
- 77597 Unincorporated Chambers County
- 77661 Stowell
- 77665 Stowell, Winnie, Hamshire
Waller County
Harris County 132 ZIP codes · 19 more than half inside a MUD · Harris Central Appraisal District
| ZIP | Inside a MUD | Districts | Largest districts | Guide |
|---|---|---|---|---|
| 77095 | 89% | 23 | Remington MUD 1, Spencer Road PUD | Cypress & Cy-Fair |
| 77083 | 87% | 11 | Mission Bend MUD 2, Chelford City MUD | — |
| 77449 | 82% | 29 | Harris County MUD 105, Harris County MUD 71 | — |
| 77068 | 74% | 9 | Bammel Utility District, Northwest Harris County MUD 20 | — |
| 77346 | 73% | 14 | Harris County MUD 109, Harris County MUD 153 | Kingwood & Atascocita |
| 77069 | 70% | 8 | Champions MUD, CY Champ PUD | — |
| 77379 | 69% | 19 | Harris County MUD 24, Bridgestone MUD | — |
| 77450 | 68% | 17 | Nottingham Country MUD, Harris County MUD 81 | Cinco Ranch · Katy |
| 77065 | 68% | 12 | Harris County FWSD 61, Harris County MUD 168 | Cypress & Cy-Fair |
| 77070 | 67% | 15 | Harris County MUD 468, Harris County MUD 230 | — |
| 77389 | 67% | 11 | Harris-Montgomery Counties MUD 386, Harris County Improvement District 18 | — |
| 77090 | 66% | 13 | CNP Utility District, Ponderosa Forest Utility District | — |
| 77094 | 65% | 6 | Harris County MUD 345, Green Trails MUD | — |
| 77388 | 64% | 10 | Bridgestone MUD, Harris County WCID 110 | — |
| 77433 | 63% | 34 | Harris County MUD 165, Harris County MUD 419 | Cypress & Cy-Fair |
| 77014 | 62% | 11 | Harris County MUD 304, Harris County MUD 200 | — |
| 77073 | 59% | 16 | Harris County MUD 154, Harris County Utility District 16 | — |
| 77066 | 58% | 11 | Harris County MUD 180, Harris County Utility District 15 | — |
| 77067 | 55% | 7 | Harris County MUD 5, Harris County MUD 150 | — |
| 77064 | 50% | 10 | West Harris County MUD 11, West Harris County MUD 21 | — |
| 77086 | 49% | 4 | Northwest Park MUD, Harris County MUD 366 | — |
| 77373 | 47% | 10 | Harris County MUD 82, Timber Lane Utility District | — |
| 77089 | 46% | 8 | Clear Brook City MUD, Sagemeadow Utility District | — |
| 77038 | 45% | 7 | Mount Houston Road MUD, Harris County MUD 321 | — |
| 77429 | 44% | 19 | Northwest Harris County MUD 5, Northwest Harris County MUD 10 | Cypress & Cy-Fair |
| 77493 | 43% | 35 | Harris County MUD 457, Harris-Waller Counties MUD 3 | Katy |
| 77084 | 40% | 18 | Harris County Utility District 6, Harris County MUD 102 | — |
| 77044 | 32% | 21 | Greenwood Utility District, Parkway Utility District | — |
| 77082 | 31% | 7 | Harris County MUD 120, Harris County MUD 372 | — |
| 77338 | 29% | 8 | Harris County MUD 26, Hunter's Glen MUD | — |
| 77336 | 28% | 16 | Harris County MUD 514, Pine Bough PUD | — |
| 77396 | 28% | 9 | Harris County MUD 400, Harris County MUD 49 | — |
| 77041 | 28% | 9 | Horsepen Bayou MUD, Harris County MUD 370 | — |
| 77377 | 26% | 15 | Harris County MUD 416, Malcomson Road Utility District | — |
| 77375 | 24% | 8 | Harris County MUD 368, Harris-Montgomery Counties MUD 386 | — |
| 77047 | 23% | 5 | Harris County WCID 89, Harris County MUD 390 | Med Center South · Pearland |
| 77040 | 22% | 7 | Windfern Forest Utility District, West Harris County MUD 1 | — |
| 77532 | 21% | 12 | Lakewood MUD 3, Lakewood MUD 2 | — |
| 77049 | 19% | 6 | Harris County MUD 285, Northeast Harris County MUD 1 | — |
| 77088 | 18% | 3 | Harris County MUD 119, Harris County MUD 118 | — |
| 77598 | 16% | 3 | Baybrook MUD 1, Harris County MUD 481 | Clear Lake area |
| 77015 | 16% | 5 | Harris County FWSD 51, Harris County MUD 8 | — |
| 77447 | 15% | 18 | Harris County MUD 566, Harris County MUD 319 | — |
| 77048 | 14% | 5 | Harris County MUD 460, Harris County MUD 575 | Med Center South |
| 77060 | 14% | 2 | North Green MUD, Harris County MUD 101 | — |
| 77051 | 12% | 3 | Harris County MUD 404, Harris County MUD 451 | — |
| 77032 | 11% | 6 | Greens Parkway MUD, North Belt Utility District | — |
| 77530 | 9% | 2 | Harris County MUD 53, Harris County FWSD 47 | — |
| 77521 | 9% | 7 | Harris County MUD 213 A, Lake MUD | — |
| 77045 | 8% | 3 | Harris County MUD 498, Harris County MUD 410 | Med Center South |
| 77039 | 7% | 3 | Harris County MUD 461, Pine Village PUD | — |
| 77099 | 7% | 2 | Harris County MUD 584, Bissonnet MUD | — |
| 77075 | 7% | 3 | Harris County MUD 382, Harris County MUD 460 | — |
| 77071 | 6% | 2 | Southwest Harris County MUD 1, Harris County MUD 122 | — |
| 77016 | 5% | 1 | Harris County MUD 439 | — |
| 77077 | 5% | 3 | Harris County MUD 355, Harris County MUD 529 | Energy Corridor |
| 77339 | 5% | 2 | Kings Manor MUD, Montgomery County MUD 98 | Kingwood & Atascocita |
| 77078 | 5% | 2 | Harris County MUD 589, Harris County MUD 148 | — |
| 77034 | 4% | 2 | Harris County MUD 410, Clear Brook City MUD | — |
| 77080 | 4% | 1 | Harris County MUD 552 | Spring Branch |
| 77050 | 4% | 1 | Pine Village PUD | — |
| 77072 | 2% | 1 | Bissonnet MUD | — |
| 77586 | 2% | 1 | Harris County MUD 373 | Clear Lake area |
| 77571 | 1% | 1 | Harris County MUD 561 | — |
| 77520 | 1% | 1 | Harris County MUD 528 | — |
| 77024 | 1% | 1 | Harris County MUD 537 | Memorial · Spring Branch |
| 77002 | 0% | — | — | Inner Loop · Montrose & Midtown |
| 77003 | 0% | — | — | EaDo · Inner Loop |
| 77004 | 0% | — | — | Inner Loop · Montrose & Midtown |
| 77005 | 0% | — | — | Bellaire & West U · Inner Loop |
| 77006 | 0% | — | — | Inner Loop · Montrose & Midtown |
| 77007 | 0% | — | — | — |
| 77008 | 0% | — | — | The Heights · Inner Loop |
| 77009 | 0% | — | — | The Heights |
| 77010 | 0% | — | — | — |
| 77011 | 0% | — | — | — |
| 77012 | 0% | — | — | — |
| 77013 | 0% | — | — | — |
| 77017 | 0% | — | — | — |
| 77018 | 0% | — | — | The Heights |
| 77019 | 0% | — | — | Inner Loop · River Oaks & Tanglewood |
| 77020 | 0% | — | — | — |
| 77021 | 0% | — | — | — |
| 77022 | 0% | — | — | — |
| 77023 | 0% | — | — | EaDo |
| 77025 | 0% | — | — | Bellaire & West U |
| 77026 | 0% | — | — | — |
| 77027 | 0% | — | — | Galleria · River Oaks & Tanglewood · Uptown |
| 77028 | 0% | — | — | — |
| 77029 | 0% | — | — | — |
| 77030 | 0% | — | — | Inner Loop |
| 77031 | 0% | — | — | — |
| 77033 | 0% | — | — | — |
| 77035 | 0% | — | — | — |
| 77036 | 0% | — | — | — |
| 77037 | 0% | — | — | — |
| 77042 | 0% | — | — | Energy Corridor |
| 77043 | 0% | — | — | Spring Branch |
| 77046 | 0% | — | — | Uptown |
| 77054 | 0% | — | — | — |
| 77055 | 0% | — | — | Spring Branch |
| 77056 | 0% | — | — | Galleria · River Oaks & Tanglewood |
| 77057 | 0% | — | — | Galleria |
| 77058 | 0% | — | — | Clear Lake area |
| 77059 | 0% | — | — | — |
| 77061 | 0% | — | — | — |
| 77062 | 0% | — | — | — |
| 77063 | 0% | — | — | — |
| 77074 | 0% | — | — | — |
| 77076 | 0% | — | — | — |
| 77079 | 0% | — | — | Energy Corridor · Memorial |
| 77081 | 0% | — | — | — |
| 77085 | 0% | — | — | — |
| 77087 | 0% | — | — | — |
| 77091 | 0% | — | — | — |
| 77092 | 0% | — | — | — |
| 77093 | 0% | — | — | — |
| 77096 | 0% | — | — | — |
| 77098 | 0% | — | — | Inner Loop |
| 77204 | 0% | — | — | — |
| 77345 | 0% | — | — | Kingwood & Atascocita |
| 77401 | 0% | — | — | Bellaire & West U |
| 77502 | 0% | — | — | — |
| 77503 | 0% | — | — | — |
| 77504 | 0% | — | — | — |
| 77505 | 0% | — | — | — |
| 77506 | 0% | — | — | — |
| 77507 | 0% | — | — | — |
| 77536 | 0% | — | — | — |
| 77547 | 0% | — | — | — |
| 77562 | 0% | — | — | — |
| 77587 | 0% | — | — | — |
Fort Bend County 23 ZIP codes · 4 more than half inside a MUD · Fort Bend Central Appraisal District
| ZIP | Inside a MUD | Districts | Largest districts | Guide |
|---|---|---|---|---|
| 77407 | 77% | 20 | Fort Bend County MUD 30, Fort Bend County MUD 134 B | Richmond & Rosenberg |
| 77494 | 76% | 36 | Fort Bend County MUD 58, Fort Bend County MUD 151 | Cinco Ranch · Fulshear · Katy |
| 77459 | 64% | 21 | Fort Bend County MUD 45, Quail Valley Utility District | Missouri City |
| 77498 | 59% | 13 | Fort Bend County FWSD 2, Fort Bend County MUD 25 | Sugar Land |
| 77441 | 46% | 16 | Fort Bend County MUD 81, Fort Bend County MUD 172 | Cross Creek Ranch · Fulshear · Katy |
| 77406 | 45% | 27 | Pecan Grove MUD, Fort Bend County MUD 263 | Richmond & Rosenberg |
| 77545 | 30% | 8 | Fort Bend County MUD 23, Fort Bend County MUD 24 | — |
| 77489 | 28% | 7 | Blue Ridge West MUD, Fort Bend County MUD 26 | Missouri City |
| 77479 | 24% | 7 | Fort Bend County MUD 128, Fort Bend County MUD 138 | Sugar Land |
| 77464 | 21% | 2 | Orchard MUD 2, Orchard MUD 1 | — |
| 77469 | 18% | 19 | Fort Bend County MUD 237, Fort Bend County MUD 162 | Richmond & Rosenberg |
| 77476 | 16% | 5 | Fort Bend County MUD 204, Twinwood MUD 1 | — |
| 77471 | 14% | 15 | Orchard MUD 2, Fort Bend County MUD 5 | Richmond & Rosenberg |
| 77417 | 12% | 6 | Fort Bend County MUD 264, Fort Bend County MUD 250A | — |
| 77053 | 6% | 3 | Fort Bend County MUD 168, Fort Bend County MUD 24 | — |
| 77478 | 4% | 2 | First Colony MUD 10, Burney Road MUD | Sugar Land |
| 77420 | 0% | — | — | — |
| 77435 | 0% | — | — | — |
| 77444 | 0% | — | — | — |
| 77451 | 0% | — | — | — |
| 77461 | 0% | — | — | — |
| 77477 | 0% | — | — | — |
| 77481 | 0% | — | — | — |
Montgomery County 24 ZIP codes · 4 more than half inside a MUD · Montgomery Central Appraisal District
| ZIP | Inside a MUD | Districts | Largest districts | Guide |
|---|---|---|---|---|
| 77382 | 82% | 5 | Montgomery County MUD 46, Montgomery County MUD 47 | The Woodlands |
| 77381 | 81% | 7 | Montgomery County MUD 60, Montgomery County MUD 7 | The Woodlands |
| 77380 | 78% | 10 | Montgomery County MUD 6, Montgomery County MUD 46 | The Woodlands |
| 77386 | 53% | 17 | Montgomery County MUD 117, Southern Montgomery County MUD | — |
| 77357 | 38% | 17 | New Caney MUD, East Montgomery County MUD 3 | — |
| 77365 | 38% | 16 | Porter MUD, Valley Ranch MUD 1 | — |
| 77385 | 27% | 8 | Montgomery County MUD 39, Montgomery County MUD 15 | — |
| 77362 | 23% | 5 | Wood Trace MUD 1, Wood Trace MUD 4A | — |
| 77384 | 22% | 8 | Montgomery County MUD 139, Montgomery County MUD 112 | The Woodlands |
| 77301 | 21% | 8 | Montgomery County MUD 90, Montgomery County MUD 92 | — |
| 77372 | 20% | 12 | Firefly MUD 3, Montgomery County MUD 221 | — |
| 77316 | 18% | 15 | Magnolia Woods MUD 3, Montgomery County MUD 113 | — |
| 77302 | 16% | 11 | River Plantation MUD, Montgomery County MUD 111 | — |
| 77304 | 16% | 12 | Montgomery County MUD 208, Montgomery County MUD 107 | — |
| 77354 | 14% | 12 | Audubon MUD 1, Audubon MUD 2 | — |
| 77318 | 12% | 10 | Montgomery County MUD 128A, Montgomery County MUD 100 | — |
| 77303 | 8% | 7 | Foster MUD 1 of Montgomery County, Montgomery County MUD 202A | — |
| 77355 | 8% | 8 | Waller County MUD 21, Waller County MUD 20A | — |
| 77378 | 7% | 4 | Foster MUD 1 of Montgomery County, Montgomery County MUD 204 | — |
| 77356 | 6% | 6 | Montgomery County MUD 18, Stanley Lake MUD | — |
| 77358 | 3% | 2 | Montgomery County MUD 204, New Waverly MUD 1 | — |
| 77306 | 2% | 2 | Montgomery County MUD 228, Montgomery County MUD 220 | — |
| 77328 | 0% | — | — | — |
| 77873 | 0% | — | — | — |
Galveston County 18 ZIP codes · 1 more than half inside a MUD · Galveston Central Appraisal District
| ZIP | Inside a MUD | Districts | Largest districts | Guide |
|---|---|---|---|---|
| 77554 | 62% | 3 | West Galveston Island Conservation District, Galveston County FWSD 6 | — |
| 77573 | 27% | 10 | Galveston County MUD 45, Galveston County MUD 6 | Clear Lake area |
| 77591 | 23% | 7 | Galveston County MUD 31, Galveston County MUD 61 | — |
| 77568 | 21% | 5 | Galveston County MUD 56, Highland MUD | — |
| 77539 | 17% | 13 | Galveston County MUD 58, Galveston County MUD 14 | — |
| 77563 | 14% | 4 | West Galveston Island Conservation District, Galveston County FWSD 6 | — |
| 77546 | 12% | 5 | Harris County MUD 55, Galveston County MUD 82 | Clear Lake area |
| 77517 | 7% | 3 | Saint Barts MUD 2, Galveston County MUD 34 | — |
| 77565 | 4% | 1 | Galveston County MUD 51 | — |
| 77590 | 2% | 1 | Galveston County MUD 52 | — |
| 77510 | 0% | — | — | — |
| 77518 | 0% | — | — | — |
| 77550 | 0% | — | — | — |
| 77551 | 0% | — | — | — |
| 77555 | 0% | — | — | — |
| 77617 | 0% | — | — | — |
| 77623 | 0% | — | — | — |
| 77650 | 0% | — | — | — |
Brazoria County 16 ZIP codes · 0 more than half inside a MUD · Brazoria County Appraisal District
| ZIP | Inside a MUD | Districts | Largest districts | Guide |
|---|---|---|---|---|
| 77584 | 39% | 14 | Brazoria-Fort Bend Counties MUD 1, Brazoria County MUD 26 | Pearland |
| 77578 | 26% | 15 | Brazoria County MUD 57, Brazoria County MUD 29 | — |
| 77581 | 16% | 7 | Brazoria County MUD 18, Brazoria County MUD 23 | Pearland |
| 77583 | 15% | 14 | Brazoria County MUD 68, Brazoria County MUD 70 | — |
| 77486 | 4% | 1 | Varner Creek Utility District | — |
| 77511 | 1% | 2 | Brazoria County MUD 24, Brazoria County MUD 36 | — |
| 77515 | 1% | 1 | Brazoria County MUD 14 | — |
| 77422 | 0% | — | — | — |
| 77430 | 0% | — | — | — |
| 77431 | 0% | — | — | — |
| 77480 | 0% | — | — | — |
| 77531 | 0% | — | — | — |
| 77534 | 0% | — | — | — |
| 77541 | 0% | — | — | — |
| 77566 | 0% | — | — | — |
| 77577 | 0% | — | — | — |
Liberty County 12 ZIP codes · 0 more than half inside a MUD · Liberty Central Appraisal District
| ZIP | Inside a MUD | Districts | Largest districts | Guide |
|---|---|---|---|---|
| 77535 | 1% | 1 | Liberty County MUD 9 | — |
| 77327 | 0% | — | — | — |
| 77368 | 0% | — | — | — |
| 77369 | 0% | — | — | — |
| 77371 | 0% | — | — | — |
| 77533 | 0% | — | — | — |
| 77538 | 0% | — | — | — |
| 77561 | 0% | — | — | — |
| 77564 | 0% | — | — | — |
| 77575 | 0% | — | — | — |
| 77582 | 0% | — | — | — |
| 77629 | 0% | — | — | — |
Austin County 13 ZIP codes · 0 more than half inside a MUD · Austin County Appraisal District
| ZIP | Inside a MUD | Districts | Largest districts | Guide |
|---|---|---|---|---|
| 77485 | 3% | 2 | Fort Bend County MUD 204, Austin County MUD 3 | — |
| 77474 | 1% | 1 | Austin County MUD 5 | — |
| 77418 | 0% | — | — | — |
| 77426 | 0% | — | — | — |
| 77473 | 0% | — | — | — |
| 77833 | 0% | — | — | — |
| 77835 | 0% | — | — | — |
| 78931 | 0% | — | — | — |
| 78933 | 0% | — | — | — |
| 78940 | 0% | — | — | — |
| 78944 | 0% | — | — | — |
| 78950 | 0% | — | — | — |
| 78954 | 0% | — | — | — |
Chambers County 7 ZIP codes · 0 more than half inside a MUD · Chambers County Appraisal District
| ZIP | Inside a MUD | Districts | Largest districts | Guide |
|---|---|---|---|---|
| 77580 | 19% | 2 | Riceland MUD 1, Riceland MUD 3 | — |
| 77523 | 5% | 6 | Chambers County Improvement District 3, Chambers County MUD 1 | — |
| 77514 | 0% | — | — | — |
| 77560 | 0% | — | — | — |
| 77597 | 0% | — | — | — |
| 77661 | 0% | — | — | — |
| 77665 | 0% | — | — | — |
Waller County 7 ZIP codes · 0 more than half inside a MUD · Waller County Appraisal District
ZIP spotlights
The ZIP codes buyers ask about most
The same figures as the tables, pulled out for the ZIP codes that come up most in searches and in my inbox. Each district sets its own rate, so confirm the MUD for the address on the appraisal district record. Every other ZIP is one tap away in the jump list above the tables.
77493: Katy
43% of ZIP code 77493 sits inside a Municipal Utility District, across 35 districts. The largest by area: Harris County MUD 457, Harris-Waller Counties MUD 3. Area guide: Katy. See 77493 in the table.
77494: Katy and Cinco Ranch
76% of ZIP code 77494 sits inside a Municipal Utility District, across 36 districts. The largest by area: Fort Bend County MUD 58, Fort Bend County MUD 151. Area guide: Cinco Ranch, Fulshear, Katy. See 77494 in the table.
77433: Cypress
63% of ZIP code 77433 sits inside a Municipal Utility District, across 34 districts. The largest by area: Harris County MUD 165, Harris County MUD 419. Area guide: Cypress & Cy-Fair. See 77433 in the table.
77459: Missouri City and Sienna
64% of ZIP code 77459 sits inside a Municipal Utility District, across 21 districts. The largest by area: Fort Bend County MUD 45, Quail Valley Utility District. Area guide: Missouri City. See 77459 in the table.
77441: Fulshear
46% of ZIP code 77441 sits inside a Municipal Utility District, across 16 districts. The largest by area: Fort Bend County MUD 81, Fort Bend County MUD 172. Area guide: Cross Creek Ranch, Fulshear, Katy. See 77441 in the table.
77373: Spring
47% of ZIP code 77373 sits inside a Municipal Utility District, across 10 districts. The largest by area: Harris County MUD 82, Timber Lane Utility District. See 77373 in the table.
77379: Spring and Klein
69% of ZIP code 77379 sits inside a Municipal Utility District, across 19 districts. The largest by area: Harris County MUD 24, Bridgestone MUD. See 77379 in the table.
77355: Magnolia
8% of ZIP code 77355 sits inside a Municipal Utility District, across 8 districts. The largest by area: Waller County MUD 21, Waller County MUD 20A. See 77355 in the table.
77354: Magnolia
14% of ZIP code 77354 sits inside a Municipal Utility District, across 12 districts. The largest by area: Audubon MUD 1, Audubon MUD 2. See 77354 in the table.
77423: Brookshire
12% of ZIP code 77423 sits inside a Municipal Utility District, across 14 districts. The largest by area: Brookshire MUD, Fort Bend County MUD 222. Area guide: Fulshear. See 77423 in the table.
77584: Pearland
39% of ZIP code 77584 sits inside a Municipal Utility District, across 14 districts. The largest by area: Brazoria-Fort Bend Counties MUD 1, Brazoria County MUD 26. Area guide: Pearland. See 77584 in the table.
77024: Memorial and the Memorial Villages
1% of ZIP code 77024 sits inside a Municipal Utility District, across 1 district. The largest by area: Harris County MUD 537. Area guide: Memorial, Spring Branch. See 77024 in the table.
77019: River Oaks
No Municipal Utility District covers land in ZIP code 77019 in the TCEQ records this page maps. Area guide: Inner Loop, River Oaks & Tanglewood. See 77019 in the table.
77099: Houston and Meadows Place
7% of ZIP code 77099 sits inside a Municipal Utility District, across 2 districts. The largest by area: Harris County MUD 584, Bissonnet MUD. See 77099 in the table.
77091: Houston
No Municipal Utility District covers land in ZIP code 77091 in the TCEQ records this page maps. See 77091 in the table.
77094: Houston
65% of ZIP code 77094 sits inside a Municipal Utility District, across 6 districts. The largest by area: Harris County MUD 345, Green Trails MUD. See 77094 in the table.
77014: Houston
62% of ZIP code 77014 sits inside a Municipal Utility District, across 11 districts. The largest by area: Harris County MUD 304, Harris County MUD 200. See 77014 in the table.
77096: Houston
No Municipal Utility District covers land in ZIP code 77096 in the TCEQ records this page maps. See 77096 in the table.
77090: Houston
66% of ZIP code 77090 sits inside a Municipal Utility District, across 13 districts. The largest by area: CNP Utility District, Ponderosa Forest Utility District. See 77090 in the table.
77095: Cypress and Cy-Fair
89% of ZIP code 77095 sits inside a Municipal Utility District, across 23 districts. The largest by area: Remington MUD 1, Spencer Road PUD. Area guide: Cypress & Cy-Fair. See 77095 in the table.
77064: Houston and Jersey Village
50% of ZIP code 77064 sits inside a Municipal Utility District, across 10 districts. The largest by area: West Harris County MUD 11, West Harris County MUD 21. See 77064 in the table.
77084: Houston
40% of ZIP code 77084 sits inside a Municipal Utility District, across 18 districts. The largest by area: Harris County Utility District 6, Harris County MUD 102. See 77084 in the table.
77092: Houston
No Municipal Utility District covers land in ZIP code 77092 in the TCEQ records this page maps. See 77092 in the table.
77009: The Heights
No Municipal Utility District covers land in ZIP code 77009 in the TCEQ records this page maps. Area guide: The Heights. See 77009 in the table.
77007: Houston
No Municipal Utility District covers land in ZIP code 77007 in the TCEQ records this page maps. See 77007 in the table.
77021: Houston
No Municipal Utility District covers land in ZIP code 77021 in the TCEQ records this page maps. See 77021 in the table.
77002: Downtown
No Municipal Utility District covers land in ZIP code 77002 in the TCEQ records this page maps. Area guide: Inner Loop, Montrose & Midtown. See 77002 in the table.
77060: Aldine
14% of ZIP code 77060 sits inside a Municipal Utility District, across 2 districts. The largest by area: North Green MUD, Harris County MUD 101. See 77060 in the table.
77079: Energy Corridor and Memorial
No Municipal Utility District covers land in ZIP code 77079 in the TCEQ records this page maps. Area guide: Energy Corridor, Memorial. See 77079 in the table.
77041: Houston and Jersey Village
28% of ZIP code 77041 sits inside a Municipal Utility District, across 9 districts. The largest by area: Horsepen Bayou MUD, Harris County MUD 370. See 77041 in the table.
77077: Energy Corridor
5% of ZIP code 77077 sits inside a Municipal Utility District, across 3 districts. The largest by area: Harris County MUD 355, Harris County MUD 529. Area guide: Energy Corridor. See 77077 in the table.
77015: Cloverleaf and Galena Park
16% of ZIP code 77015 sits inside a Municipal Utility District, across 5 districts. The largest by area: Harris County FWSD 51, Harris County MUD 8. See 77015 in the table.
Before you offer
How to find the actual rate for a specific house
Start with the right county’s property record. The appraisal district handles property values and exemptions; local taxing units set their own rates. Match the property record with the adopted rates and current tax bill for that address.
Ask for the MUD’s rate history and bond position. A district with most of its bonds repaid is a very different long-term cost from one that just issued. Districts publish this, and it is worth reading if you plan to stay.
The listing’s tax figure may reflect the seller’s situation. Your exemptions or tax ceiling may differ. Ask for a buyer-specific estimate using the property’s taxable value, applicable rates and exemptions you expect to qualify for. Treat that estimate as a budget, with its assumptions clearly stated.
My Houston MUD tax buyer guide covers this in full, and the homestead exemption guide explains what you can claim once you own.
Common questions
Frequently asked questions
How do I know if a Houston home is in a MUD?
Find the ZIP in the table above to see whether MUDs operate there, then confirm the specific parcel with the county appraisal district record, which lists every taxing entity on that property.
Which Houston ZIP codes have the most MUDs?
77494 contains the most at 36 districts, followed by the other fast-growth suburban ZIPs in Katy, Cypress, Fulshear and the north corridor. 28 ZIPs have more than half their land inside a MUD.
How much does a MUD add to property tax?
There is no single MUD tax rate for a ZIP. Confirm which district serves the property, its current adopted rate and how its charge appears on the tax bill. Compare the total bill, including the other taxing entities, when weighing one home against another.
Do MUD taxes ever go away?
Do not assume the MUD tax will disappear or its rate will decline. Use the current adopted rate when comparing homes, and review the district’s updated rate each year.
Are there Houston ZIP codes with no MUD?
Yes, 123 of the 252 here. They cluster inside Houston city limits and the older incorporated suburbs, where city utilities were already in place when the neighborhoods were built.
Is a MUD a reason not to buy?
No. It is a cost to know about and price in. Much of the best suburban housing stock in Greater Houston sits in a MUD, and the trade is usually newer infrastructure and amenities for a higher total rate.
Does a MUD affect resale?
Buyers compare total monthly cost, so a high rate can narrow your buyer pool at resale, especially against a comparable home in a lower-rate district nearby. It is one factor among several and it is worth knowing going in.
What is the difference between a MUD and an HOA?
A MUD is a unit of local government levying a property tax for utilities and drainage. An HOA is a private association charging dues for covenants and amenities. Many Houston homes have both, and they are separate line items.
The bottom line
Know the district before you know the payment
Two houses at the same price in neighbouring Houston suburbs can carry monthly payments that differ by hundreds of dollars purely on the tax stack. Almost nobody checks this until the first bill arrives.
Use this table to know whether to ask, then pull the appraisal district record for the exact parcel. If you want help comparing the true carrying cost of two homes in different districts, book a call and we will run the numbers side by side.
For where the market stands right now — live inventory, median list prices and days on market for every Greater Houston ZIP — see the live Houston housing market dashboard, updated hourly.
Know the district. Now know the bill.
The full guide to Houston MUD tax, what it pays for and how to read it.
Sources
Water district boundaries: Texas Commission on Environmental Quality, Water Districts layer. ZIP boundaries and counties: U.S. Census Bureau 2020 ZCTA relationship files. Neighborhoods: City of Houston Super Neighborhoods. Tax rates: county appraisal districts.
Percentages describe the share of a ZIP code’s land area inside a mapped MUD boundary. This page does not state tax rates, which are set per district and change annually, and it is not tax or legal advice. Confirm the taxing entities and current rates for a specific parcel with the county appraisal district before making a decision.
Eddie Weir, REALTOR® · REMAX Signature · License #560899
(346) 321-4422 · eddie@eddieweir.com
