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Cinco Ranch
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★ Award WinnerI-10 · Katy

Cinco Ranch

by Newland Communities / American General · 8,100 acres

📋 Move-In Flyer
Total Tax Rate
2.7%
Starting From
$425K
True Monthly
$3,731P&I + Tax + HOA + Ins.
School District
Katy ISD

Cinco Ranch is Katy's iconic 8,100-acre benchmark master-planned community, developed by Newland Communities and American General. Renowned nationally for setting the standard for suburban master planning, Cinco Ranch features The Beach Club with its sandy swimming lagoon, The Lake House community hall, Cinco Ranch Golf Club, 11 neighborhood pools, 60+ community parks, and miles of greenway trails connecting directly into George Bush Park. Fully established with exceptional mature tree canopies and zoned to premier Katy ISD schools.

🎓 Schools
ISDKaty ISD
ElementaryWilliams Elementary
MiddleCinco Ranch Junior High
High SchoolCinco Ranch High School
Rating8/10
Source:GreatSchools+TEA· Updated 2025–2026
🌿 Amenities
LakeTrailsFitnessPool
—The Beach Club with sandy beach lagoon
—The Lake House & resort pool
—Cinco Ranch Golf Club 18-hole championship course
—11 neighborhood pool complexes & spray parks
—60+ community parks & tennis courts
—extensive greenway trail network
—George Bush Park nature connection
—LaCenterra at Cinco Ranch open-air town center
💰 Total Financials
Total Tax Rate2.7%
MUD Tax Rate0.55%
Annual HOA$1,200/yr
Starting Price$425,000
HOA / Month$100/mo

Starting price reflects the lowest published builder floor plan as of August 2026. Prices change frequently — verify current pricing directly with the builder before visiting. Use the calculator above to estimate your own monthly payment — enter your actual quoted rate for the most accurate result.

📉 MUD Tax Rate Over Time

The MUD (0.55%) funds infrastructure bonds that are paid off over ~25 years. As bonds retire, your effective tax rate drops — potentially saving $128/mo by year 25.

Total rate (incl. MUD)
Base rate (after MUD payoff)
💧 MUD Water Quality
DistrictCinco MUD 1
TCEQ Status✓ Compliant
Water Hardness14 GPG Hard

⚠ Hard water detected. Protect your plumbing and appliances.

⚡
Texas Electricity Setup
3 Strategies for New Construction Buyers
📊
Compare Live Rates
Compare Live Market Rates
⚡
$100 Move-In Credit
Top Houston Provider + $100 Credit
🤖
Auto-Pilot
Set-It-and-Forget-It
Full electricity guide on Resources →
🏘️ Original Builders
ℹ️ This is an established community — new construction is no longer available from these builders. Homes are available through resale only.
Resale Homes Only(historical)
🏆 Awards & Recognition
★
Houston's Best PRISM Award
Greater Houston Builders Association (GHBA) · 2000s

Recognized as Greater Houston's benchmark master planned community for master plan design, amenities, and community association management.

📋 Community At a Glance
DeveloperNewland Communities / American General
Total Acreage8,100 acres
Status🏘️ Established Community
CorridorI-10
CountyFort Bend
School DistrictKaty ISD
ElementaryWilliams Elementary
Middle SchoolCinco Ranch Junior High
High SchoolCinco Ranch High School
Annual HOA$1,200/yr
MUD Tax Rate0.55%
Total Tax Rate2.7%
Pre-Closing Checklist for Cinco Ranch Buyers
Compare builder rates vs. independent lenders · LendingTree →Get insurance quotes · Policygenius →
Compare →
★ True Cost Payment EngineFort Bend Co. CAD

Monthly Payment Simulator · Cinco Ranch

Tax Rate: 2.7%HOA: $1,200/yrHomestead Active ✓
Estimated True Monthly Out-of-Pocket
$3,875/mo
Conv 10% · 6.625% APR · P&I + Tax + Ins + HOA
🏛️ TX Homestead Exemption appliedSaves ~$94/mo
$425,000
$250K$850K$1.5M+
%
Principal & Interest$2,449
Property Taxes (w/ Homestead)$863
Homeowners Insurance (est. 0.75%/yr)$266
HOA Dues$100
Private Mortgage Ins. (PMI)$198
Est. Cash to Close$52,063
📊 Customize in Full True Cost Calculator →
📡
Tech & Connectivity

Cinco Ranch — Internet & Security

High-Speed Internet · Katy
🔵 AT&T FiberPrimary
Up to 5 Gig
Check AT&T Fiber in Katy →
🟠 XfinityAlso Available
Up to 1.2 Gig
Check Xfinity in Katy →

Independent research and community analysis.

Automated Home Protection

Compare Vivint, ADT, and SimpliSafe — all offer professional monitoring with smart home integration. New construction buyers qualify for the best introductory rates.

🍳
Samsung Bespoke
Smart Home Suites
🏆
AJ Madison
GE Cafe, Bosch, Thermador
🌿
Wayfair Outdoor
Outdoor Kitchen & Patio
Outfit Your Kitchen

New construction homes in Cinco Ranch come with builder-grade appliances. Upgrade to Samsung Bespoke smart suites, AJ Madison luxury packages (GE Cafe, Bosch, Thermador), or Wayfair outdoor kitchen setups before move-in. See full appliance guide

⚡
Houston Power Grid Advisory
Is your new home ready for the next grid outage?

Texas ERCOT operates on an isolated grid. Hurricane season (June–Nov) and winter storms can cause 3–7 day outages. Compare EcoFlow, Anker SOLIX, and Generac/Cummins whole-home options.

🌊 Flood Zone & Drainage
Mixed (X/AE)⚡ Harvey 2017: Partial🏠 Flood Insurance Required: Partial (some lots)

Extensive interconnected lake and bayou network with regional flood barriers; newer sections built to elevated pad standards.

View FEMA Flood Map →
🚗 Commute Times (Rush Hour)
via Westpark Tollway / Grand Parkway 99 · Est. $4-8/day daily toll
🏢 Energy Corridor
15-25 min
🏥 Medical Center
35-45 min
🌆 Downtown Houston
30-40 min
✈️ IAH Airport
45-55 min
🛒 Grocery & Retail
🛒 H-E-BH-E-B Katy Market on Nelson Way (2.4 mi)
🛒 KrogerKroger Bay Hill on W Grand Pkwy S (2.1 mi)
🏪 CostcoCostco Katy on Katy Fwy (3.8 mi)
🎯 TargetTarget Katy Cinco Ranch on Westheimer Pkwy (1.5 mi)
🏬 WalmartWalmart Supercenter Katy Market Place (2.1 mi)
🏘 Town CenterLaCenterra at Cinco Ranch (1.5 mi)
📹 Community Video Tour
Cinco Ranch Community Tour — Katy, TX
via Houston Texas Real Estate · YouTube
Head-to-Head Comparisons
Cinco Ranch vs Jordan Ranch
Schools · Tax Rate · Amenities · True Cost
Compare →
Cinco Ranch vs Elyson
Schools · Tax Rate · Amenities · True Cost
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Cinco Ranch vs Elyson
Schools · Tax Rate · Amenities · True Cost
Compare →
Cinco Ranch vs Jordan Ranch
Schools · Tax Rate · Amenities · True Cost
Compare →
Frequently Asked Questions

Buyer Guide: Cinco Ranch

📋 Move-In Concierge
Your Day-1 Setup Guide
Utilities, HOA, schools, and move-in essentials for Cinco Ranch
🖨️ Open & Print Full Flyer →
⚡ Utilities Setup
💧 Water & Sewer
Cinco MUD #1 / Cinco MUDs — Inframark (832) 467-1599
🗑️ Trash Pickup
Best Trash (281) 313-2378 — Monday & Thursday pickup
🔥 Natural Gas
CenterPoint Energy (713-659-2111)
💡 Electricity
TX is deregulated — scan QR cards below to compare & lock in your rate before closing
📬 Mailbox & HOA
📮 Post Office
Katy Post Office, 1331 Pin Oak Rd, Katy TX 77494
(281) 391-7538
🔑 Key Pickup Docs
Photo ID + Closing Disclosure (CD) required for mailbox key pickup
🏢 HOA Management
RealManage / Cinco Residential Property Association
cincoranch.life
⚠️ ARC Rule
ARC approval required for exterior modifications, painting, roofing, pools, and fences
🏫 Schools & Anchors
🎓 ISD
Katy ISD
📚 Elementary
Williams Elementary
📚 Middle School
Cinco Ranch Junior High
📚 High School
Cinco Ranch High School
🏛️ Homestead Exemption
fbcad.org/homestead-exemptions
🛒 Nearest H-E-B
H-E-B Katy Market on Nelson Way (2.4 mi)
🚨 Day-1 New Build Safety
🔒 Smart Lock Reset: Reset factory master codes on Day 1 before moving valuables in.
💧 Main Water Shut-Off: Located in garage or front flowerbed box — know it before you need it.
💨 HVAC Filter Swap: Change AC filter at 30 days — construction dust clogs coils fast.
🤠 Texas Admin Rules
🏛️ Homestead Exemption: File with fbcad.org/homestead-exemptions by April 30 — saves $300–$600+/yr. Update TX Driver's License address first.
📋 Builder Warranty: 10-yr structural, 2-yr mechanical, 1-yr workmanship — document everything in writing from Day 1.
🔍 11-Month Inspection: Schedule an independent inspector at month 11 before your 1-year warranty expires.
🛍️ Day-One Move-In Essentials — Scan to Compare & Save
📋 Want the full printable version?
The Move-In Concierge flyer includes QR codes, your rep contact info, and fits on one printed page.
Open Full Flyer & Print →
Corridor Network

Explore Nearby I-10 / Katy Communities

View all I-10 / Katy corridor communities →
SunterraMUD: 1.50%
Katy, TXTotal Tax: 3.42%

Sunterra

ISD: Katy ISD

View Sunterra Guide →
Cross Creek WestMUD: 1.50%
Fulshear, TXTotal Tax: 3.16%

Cross Creek West

ISD: Lamar CISD

View Cross Creek West Guide →
ElysonMUD: 1.50%
Katy, TXTotal Tax: 3.32%

Elyson

ISD: Katy ISD

View Elyson Guide →
Jordan RanchMUD: 1.12%
Fulshear, TXTotal Tax: 2.79%

Jordan Ranch

ISD: Lamar CISD

View Jordan Ranch Guide →
Head-to-Head Comparisons

Compare Cinco Ranch with Alternatives

View All 1,100+ Comparisons →
Cinco Ranch vs Sunterra→Cinco Ranch vs Cross Creek West→Cinco Ranch vs Elyson→Cinco Ranch vs Jordan Ranch→Cinco Ranch vs Tamarron→Cinco Ranch vs Cane Island→Cinco Ranch vs Anniston→Cinco Ranch vs Fulshear Lakes→

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