• Home
  • popular
  • EVENTS
  • submit-new-event
  • CHARITY GUIDE
  • Children
  • Education
  • Health
  • Veterans
  • Social Services
  • Arts + Culture
  • Animals
  • LGBTQ
  • New Charity
  • TRENDING NEWS
  • News
  • City Life
  • Entertainment
  • Sports
  • Home + Design
  • Travel
  • Real Estate
  • Restaurants + Bars
  • Arts
  • Society
  • Innovation
  • Fashion + Beauty
  • subscribe
  • about
  • series
  • Embracing Your Inner Cowboy
  • Green Living
  • Summer Fun
  • Real Estate Confidential
  • RX In the City
  • State of the Arts
  • Fall For Fashion
  • Cai's Odyssey
  • Comforts of Home
  • Good Eats
  • Holiday Gift Guide 2010
  • Holiday Gift Guide 2
  • Good Eats 2
  • HMNS Pirates
  • The Future of Houston
  • We Heart Hou 2
  • Music Inspires
  • True Grit
  • Hoops City
  • Green Living 2011
  • Cruizin for a Cure
  • Summer Fun 2011
  • Just Beat It
  • Real Estate 2011
  • Shelby on the Seine
  • Rx in the City 2011
  • Entrepreneur Video Series
  • Going Wild Zoo
  • State of the Arts 2011
  • Fall for Fashion 2011
  • Elaine Turner 2011
  • Comforts of Home 2011
  • King Tut
  • Chevy Girls
  • Good Eats 2011
  • Ready to Jingle
  • Houston at 175
  • The Love Month
  • Clifford on The Catwalk Htx
  • Let's Go Rodeo 2012
  • King's Harbor
  • FotoFest 2012
  • City Centre
  • Hidden Houston
  • Green Living 2012
  • Summer Fun 2012
  • Bookmark
  • 1987: The year that changed Houston
  • Best of Everything 2012
  • Real Estate 2012
  • Rx in the City 2012
  • Lost Pines Road Trip Houston
  • London Dreams
  • State of the Arts 2012
  • HTX Fall For Fashion 2012
  • HTX Good Eats 2012
  • HTX Contemporary Arts 2012
  • HCC 2012
  • Dine to Donate
  • Tasting Room
  • HTX Comforts of Home 2012
  • Charming Charlie
  • Asia Society
  • HTX Ready to Jingle 2012
  • HTX Mistletoe on the go
  • HTX Sun and Ski
  • HTX Cars in Lifestyle
  • HTX New Beginnings
  • HTX Wonderful Weddings
  • HTX Clifford on the Catwalk 2013
  • Zadok Sparkle into Spring
  • HTX Let's Go Rodeo 2013
  • HCC Passion for Fashion
  • BCAF 2013
  • HTX Best of 2013
  • HTX City Centre 2013
  • HTX Real Estate 2013
  • HTX France 2013
  • Driving in Style
  • HTX Island Time
  • HTX Super Season 2013
  • HTX Music Scene 2013
  • HTX Clifford on the Catwalk 2013 2
  • HTX Baker Institute
  • HTX Comforts of Home 2013
  • Mothers Day Gift Guide 2021 Houston
  • Staying Ahead of the Game
  • Wrangler Houston
  • First-time Homebuyers Guide Houston 2021
  • Visit Frisco Houston
  • promoted
  • eventdetail
  • Greystar Novel River Oaks
  • Thirdhome Go Houston
  • Dogfish Head Houston
  • LovBe Houston
  • Claire St Amant podcast Houston
  • The Listing Firm Houston
  • South Padre Houston
  • NextGen Real Estate Houston
  • Pioneer Houston
  • Collaborative for Children
  • Decorum
  • Bold Rock Cider
  • Nasher Houston
  • Houston Tastemaker Awards 2021
  • CityNorth
  • Urban Office
  • Villa Cotton
  • Luck Springs Houston
  • EightyTwo
  • Rectanglo.com
  • Silver Eagle Karbach
  • Mirador Group
  • Nirmanz
  • Bandera Houston
  • Milan Laser
  • Lafayette Travel
  • Highland Park Village Houston
  • Proximo Spirits
  • Douglas Elliman Harris Benson
  • Original ChopShop
  • Bordeaux Houston
  • Strike Marketing
  • Rice Village Gift Guide 2021
  • Downtown District
  • Broadstone Memorial Park
  • Gift Guide
  • Music Lane
  • Blue Circle Foods
  • Houston Tastemaker Awards 2022
  • True Rest
  • Lone Star Sports
  • Silver Eagle Hard Soda
  • Modelo recipes
  • Modelo Fighting Spirit
  • Athletic Brewing
  • Rodeo Houston
  • Silver Eagle Bud Light Next
  • Waco CVB
  • EnerGenie
  • HLSR Wine Committee
  • All Hands
  • El Paso
  • Houston First
  • Visit Lubbock Houston
  • JW Marriott San Antonio
  • Silver Eagle Tupps
  • Space Center Houston
  • Central Market Houston
  • Boulevard Realty
  • Travel Texas Houston
  • Alliantgroup
  • Golf Live
  • DC Partners
  • Under the Influencer
  • Blossom Hotel
  • San Marcos Houston
  • Photo Essay: Holiday Gift Guide 2009
  • We Heart Hou
  • Walker House
  • HTX Good Eats 2013
  • HTX Ready to Jingle 2013
  • HTX Culture Motive
  • HTX Auto Awards
  • HTX Ski Magic
  • HTX Wonderful Weddings 2014
  • HTX Texas Traveler
  • HTX Cifford on the Catwalk 2014
  • HTX United Way 2014
  • HTX Up to Speed
  • HTX Rodeo 2014
  • HTX City Centre 2014
  • HTX Dos Equis
  • HTX Tastemakers 2014
  • HTX Reliant
  • HTX Houston Symphony
  • HTX Trailblazers
  • HTX_RealEstateConfidential_2014
  • HTX_IW_Marks_FashionSeries
  • HTX_Green_Street
  • Dating 101
  • HTX_Clifford_on_the_Catwalk_2014
  • FIVE CultureMap 5th Birthday Bash
  • HTX Clifford on the Catwalk 2014 TEST
  • HTX Texans
  • Bergner and Johnson
  • HTX Good Eats 2014
  • United Way 2014-15_Single Promoted Articles
  • Holiday Pop Up Shop Houston
  • Where to Eat Houston
  • Copious Row Single Promoted Articles
  • HTX Ready to Jingle 2014
  • htx woodford reserve manhattans
  • Zadok Swiss Watches
  • HTX Wonderful Weddings 2015
  • HTX Charity Challenge 2015
  • United Way Helpline Promoted Article
  • Boulevard Realty
  • Fusion Academy Promoted Article
  • Clifford on the Catwalk Fall 2015
  • United Way Book Power Promoted Article
  • Jameson HTX
  • Primavera 2015
  • Promenade Place
  • Hotel Galvez
  • Tremont House
  • HTX Tastemakers 2015
  • HTX Digital Graffiti/Alys Beach
  • MD Anderson Breast Cancer Promoted Article
  • HTX RealEstateConfidential 2015
  • HTX Vargos on the Lake
  • Omni Hotel HTX
  • Undies for Everyone
  • Reliant Bright Ideas Houston
  • 2015 Houston Stylemaker
  • HTX Renewable You
  • Urban Flats Builder
  • Urban Flats Builder
  • HTX New York Fashion Week spring 2016
  • Kyrie Massage
  • Red Bull Flying Bach
  • Hotze Health and Wellness
  • ReadFest 2015
  • Alzheimer's Promoted Article
  • Formula 1 Giveaway
  • Professional Skin Treatments by NuMe Express

    Your Expert Guide

    Upper Kirby: A diverse mix of homes in lovely hidden-pocket neighborhoods

    CultureMap Create
    Dec 12, 2025 | 10:22 am

    There are so many great places to live in Houston that it helps to have an expert on your side. The Neighborhood Guide presented by Martha Turner Sotheby's International Realty gives you insider access from the agents who live and work there, providing in-the-know info about your possible new community.

    ---

    Growing up, Kindi Scartaccini moved often, both nationally and internationally. One fortuitous side effect of this globe-trotting was that it helped her develop a love for new surroundings and, ultimately, a passion for real estate.

    "Real estate satisfies so many things I enjoy: helping people, design and architecture, the hunt, and negotiating," Kindi says. "It is continuously changing, which allows me to constantly expand and grow."

    With an emphasis on relationship-building, Kindi has built her practice on the premise that quality customer service reigns supreme. One of the ways she helps her clients find the perfect neighborhood is by introducing them to the "little hidden gem" that is residential Upper Kirby. She is a big supporter of local businesses, of which there are many in the neighborhood.

    "I think a lot of people think of Upper Kirby as a commercial area and might not even be aware of the hidden pockets of individual neighborhoods," she says.

    Kindi herself has lived in the area — in various neighborhoods — since 2004. She cites the walkability, oak-lined streets, terrific neighbors, and proximity to restaurants, museums, art galleries, and shops as major draws.

    And a true diversity of housing styles and price points doesn't hurt either, she says.

    "Upper Kirby has a real neighborhood feel, a low-key, casual vibe," Kindi says. "It is made up of professionals, families, and empty nesters, so it’s a real mix. Throw in that it's centrally located to freeways, near the Med Center, downtown, Rice Village, Highland Village, River Oaks District, and River Oaks shopping, it’s just a perfect location!"

    Kindi shared a few of her personal favorites about life in Upper Kirby. Here's her guide:

    Where to eat & drink
    "Tiny Boxwoods!" she exclaims. "I've been going since it opened."

    She also adds Milk & Cookies, Relish Restaurant & Bar, State of Grace, Avalon Diner, French Gourmet Bakery, Bebidas, Kata Robata, Duo Houston, Giacomo’s Cebo e Vino, Pondicheri, Armandos, and the Goode Company trio of Seafood, Barbeque, and Taqueria to the list.

    A few other favorites include Littles Oyster Bar, Amore Italian Restaurant, Eunice, Hearsay at Levy Park, and The Original Carrabba’s on Kirby, just to name a few.

    Where to play
    You'll often spot Kindi walking to Levy Park and around the neighborhood with her pup, Lucca, or at Thompson + Hanson for gardening inspiration and shopping.

    There's so much fun shopping to be found, but some favorites are Stone House at Thompson + Hanson, Abejas, Found, and Kuhl Linscomb, plus several antique shops like Bill Gardner Antiques and Upper Kirby Consignment.

    To help keep fit, there are a handful of fitness studios including pilates and yoga studios nearby, and wandering around the Urban Harvest Saturday Farmers Market at Buffalo Speedway and Westheimer for a local outdoor experience. And of course, the ability to walk to so much will keep you active.

    There is also the Color Factory, which is an immersive and interactive art exhibit that's fun for all ages.

    If you love sports, Kirby Ice House is a great place to watch the game and catch up with friends. At night, she says to head to McGonigel's Mucky Duck for live music.

    What to see
    Upper Kirby is known for its distinctive red street signs and the landmark UK-style London phone booths, but Kindi points out another landmark: the River Oaks Garden Club Forum of Civics.

    "It is listed on the Texas and National Historic Registries and John Staub was the architect when it was remodeled," she says. "Prior to that, it was known as the John Smith County School, which was built in 1910."

    Another City of Houston landmark is the Alabama Theater, which opened in 1939 and was designed and built in the Art Deco style by architect W. Scott Dunne — it now houses a Trader Joe’s!

    The neighborhood boasts several art galleries, including Moody Gallery, Laura Rathe Fine Art, and McClain Gallery to name a few, and is close to the MFAH, the Menil Museum, and the Rothko Chapel.

    Where to live
    "Style of housing in Upper Kirby is so diverse, which I love," states Kindi. "From condos and high-rises, to townhouses and patio homes, to single-family homes that range from bungalows to midcentury to recent construction."

    Styles also run the gamut, from traditional, modern, and contemporary to French-influenced and Mediterranean.

    Square footage and lot sizes are just as diverse, with properties ranging from 600-plus square feet up to approximately 7,000 square feet. Lots range from small “patches of grass” up to 7,500 square feet, with a few lots going up to 15,000 square feet.

    Because of these ranges in size, type of home, and style, there is a variety of price points within the Upper Kirby neighborhoods "which is why these 'hidden gems' are so great!" Kindi says.

    ---

    Kindi Scartaccini works and plays in Upper Kirby. For more information on buying and selling a home in the area, click here, email kindi@sothebys.realty, or call 713-539-8828.

    2819 Ferndale Houston home

    Photo courtesy of Martha Turner Sotheby's International Realty

    Home styles in the neighborhood are very diverse.

    homes for saleq&ainterviewpromotedneighborhood guideupper kirbykindi scartaccini
    news/real-estate
    series
    series/martha-turner-neighborhood-guide-2025

    most read posts

    CultureMap's 11 favorite new bars that shook up Houston in 2025

    Houston museum acquires historic Masonic lodge property for new greenspace

    Austin restaurant chain bowls over River Oaks and more popular stories

    THE AMERICAN DREAM

    How long it takes to save for a home down payment in Houston

    Brandon Watson
    Dec 30, 2025 | 12:30 pm
    Home for sale sold sign
    iStock
    Houstonians don't have to save long to afford a down payment.

    Saving for a down payment remains one of the biggest barriers to homeownership nationwide, but a new report from Realtor.com shows San Antonio area buyers face a far shorter wait than most Americans.

    According to the real estate site’s 2025 analysis, the typical U.S. household needs seven years to save for a standard down payment, a notable improvement from the 12-year peak in 2022. Still, the timeline remains roughly double the pre-pandemic norm, reflecting higher home prices, larger down payments, and lower household savings rates.

    Houston, however, stood out as one of the most accessible major metros in the nation. The Houston-Pasadena-The Woodlands metro boasted one of the shortest time sto save for a down payment among the nation’s 50 largest markets, with households needing just 3.5 years to reach a typical down payment, according to the study.

    The report found that Houston’s median down payment from January through November was $14,927. A median household income of $83,452 was estimated to produce an annual savings of $4,228. Notably, San Antonio, the only other Texas city included in the report, had the shortest time to save for a down payment at just 1.3 years.

    Nationally, the time needed to save has shortened as home price growth cooled and affordability modestly improved. Still, saving for a down payment takes significantly longer than it did before the pandemic.

    “Higher home prices and intensified competition have pushed typical down payments higher, at the same time that inflation and rising household expenses have reduced savings rates,” said Danielle Hale, chief economist at Realtor.com, in a release. “Although conditions have improved since 2022, today’s timeline shows that saving for a home takes meaningfully longer than it did before the pandemic, especially in high-cost markets.”

    Lower savings rates have played a key role. The U.S. personal savings rate has averaged 5.1 percent of income so far in 2025, down from the pre-pandemic norm of 6.5 percent, limiting how quickly households can build funds for upfront housing costs. Meanwhile, the typical down payment has more than doubled over the past six years — rising from about $13,900 in the third quarter of 2019 to $30,400 in the third quarter of 2025.

    In high-cost coastal metros, the impact is far more severe. Saving for a down payment can take 20 to more than 35 years in California cities like San Francisco, San Jose, Los Angeles, and San Diego, effectively sidelining many first-time and moderate-income buyers.

    “In high-cost markets, the typical down payment alone exceeds a full year of household income,” said Hannah Jones, Realtor.com senior economic research analyst. “That reality makes homeownership feel unattainable for many buyers, particularly younger households trying to enter the market for the first time.”

    Despite those challenges, the report notes that roughly three-quarters of Americans still consider homeownership part of the American dream. Realtor.com says easing rents could help first-time buyers save more, while repeat buyers may use accumulated savings to reduce loan balances and manage higher monthly payments.

    “Saving consistently, even in small amounts, is a meaningful first step toward homeownership,” Jones said. “In today’s market, building that financial cushion can make a real difference when buyers are ready to act.”

    home marketeconomydown paymentshome ownershipreal estate
    news/real-estate
    series
    series/martha-turner-neighborhood-guide-2025
    Loading...