Caldwell County Entry-Level Homes: Can You Afford One in September?

Deal of the Week

Deal of the Week · 138 Talon DR, Luling TX 78648 · MLS #7607711 · Listed by Land Unlimited. ALEX valuation $209,000 is an ALEX Intelligence estimate, not an appraisal.

Deals of the Week by price quartile. The quartiles come from the last 12 months of closed sales here. Each pick has the top ALEX deal score in its price range. Lower quartile: under $215,000 138 Talon DR, Luling TX 78648 · MLS #7607711 Listed at $198,500, 3 bed, 2 bath, 1,426 sq ft. Listed 5% below the ALEX valuation; 11% under the local price per sq ft; price reduced 8% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1182517710/138-Talon-DR-Luling-TX Lower-middle quartile: $215,000 to $243,000 435 Dubai Ave, Maxwell TX 78656 · MLS #5363213 Listed at $240,999, 4 bed, 2 bath, 2,162 sq ft. Listed 12% below the ALEX valuation; 18% under the local price per sq ft; price reduced 10% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1189440275/435-Dubai-Ave-Maxwell-TX Upper-middle quartile: $243,000 to $340,000 1002 Golden ST, Maxwell TX 78656 · MLS #5894690 Listed at $267,160, 4 bed, 3 bath, 2,246 sq ft. Listed 8% below the ALEX valuation; 27% under the local price per sq ft; price reduced 5% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1186265719/1002-Golden-ST-Maxwell-TX Upper quartile: $340,000 and up 661 Hidden Oak RD, Dale TX 78616 · MLS #6978163 Listed at $700,000, 3 bed, 3 bath, 1,920 sq ft. Listed 5% below the ALEX valuation; price reduced 20% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1178529237/661-Hidden-Oak-RD-Dale-TX

Key figures · Caldwell County · September 2026

32 homes sold in Caldwell County in September 2026 (down 15.8% on a year earlier).

Median sale price: $269,490 (down 12.2% on a year earlier).

Median price per square foot: $151.

Median days on market: 46.

Median sale price as a share of the original list price: 92.5%.

243 homes for sale now, about 5.9 months of supply at the pace of the last six months.

Source: Unlock MLS, September 2026. Homes only (single-family, condo, townhome). Information deemed reliable but not guaranteed.

Can a buyer afford an entry-level home in Caldwell County right now? The median price for the bottom quartile of sales reached $269,490 across 32 closed sales in September. With the current 30-year fixed mortgage rate at 7.32% according to Freddie Mac data from late October, a buyer faces a principal and interest payment of $1,481 per month based on a loan amount of $215,592. ALEX Intelligence calculated this affordability scenario using the median sale price and current market rates. The monthly payment represents the baseline cost for financing an entry-level property in the area today. While the median price is up 2.3% from August, it remains 12.2% lower than September of last year, reflecting a shift in what buyers can currently secure. The data shows that 32 homes sold in this price tier during the month, with a median living area of 1,833 square feet. New listings increased to 53, suggesting inventory is available for those who qualify. Buyers should note that the median price per square foot dropped 5.6% from the prior month to $151, indicating that larger homes may be driving the overall volume in this segment. For those considering a buydown, a 3-2-1 buydown would cost approximately $10,044 total, reducing the initial monthly payment to $1,069 in the first year. A 2-1 buydown offers a lower upfront cost of $5,100 with a first-year payment of $1,200. These options can improve immediate cash flow for entry-level buyers navigating current interest rates. Want to see this home? Call or text George at 713.918.9951 for a private showing. Data from Unlock MLS. Information deemed reliable but not guaranteed. Model outputs are ALEX Intelligence estimates, not appraisals. Read more Central Texas market data on the ALEX blog: https://alex-companies.com/blog MIT, Nvidia, Google & IBM-Trained. Cross Domain-Expert: Quantum, AI, Ethics, Sovereignty, Intelligence, Philanthropy. Solepoint Planning. VUI AI Cloud Architect. AI Certifications Development. Quant/AI Instructor. Castor Venture Club Member. Associate Broker. George Arnold Alexander III, MPA Director, ALEX Companies Associate Broker, Alexander Tiffany Southwest, LLC dba ALEX.realestate, et.al. Texas License #574878-B · Broker License #565194-BB Broker, ALEX Real Estate · North Carolina License #367733 Independent Broker, ALEX Real Estate · Colorado License #II.100112456 [email protected] · +1 713.918.9951