Fredericksburg: Cash vs. Financed Purchases in the Hill Country

Deal of the Week

Deal of the Week · 129 Alameda DR, Fredericksburg TX 78624 · MLS #9274710 · Listed by Keller Williams City-View. ALEX valuation $266,000 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 $422,000 129 Alameda DR, Fredericksburg TX 78624 · MLS #9274710 Listed at $269,900, 4 bed, 2 bath, 1,167 sq ft. The top-scoring home for sale here this week on price per sq ft, price changes and time on market. See it on alex.realestate: https://www.alex.realestate/listing-detail/1180546251/129-Alameda-DR-Fredericksburg-TX Lower-middle quartile: $422,000 to $595,000 162 Teal ST, Fredericksburg TX 78624 · MLS #5732042 Listed at $517,500, 5 bed, 3 bath, 2,594 sq ft. The top-scoring home for sale here this week on price per sq ft, price changes and time on market; 38% under the local price per sq ft. See it on alex.realestate: https://www.alex.realestate/listing-detail/1182519617/162-Teal-ST-Fredericksburg-TX Upper-middle quartile: $595,000 to $1,170,000 2143 Stone Oak, Fredericksburg TX 78624 · MLS #6406024 Listed at $1,050,000, 4 bed, 3.5 bath, 2,996 sq ft. Listed 0% below the ALEX valuation; price reduced 8% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1182587983/2143-Stone-Oak-Fredericksburg-TX Upper quartile: $1,170,000 and up 502 N Orange ST, Fredericksburg TX 78624 · MLS #6435110 Listed at $1,249,900, 4 bed, 3 bath, 2,567 sq ft. The top-scoring home for sale here this week on price per sq ft, price changes and time on market; price reduced 9% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1182516661/502-N-Orange-ST-Fredericksburg-TX

Key figures · Fredericksburg · rolling 6 months ending Sep 30, 2026

38 homes sold in Fredericksburg in the 6 months ending Sep 30, 2026 (up 18.8% on a year earlier).

Median sale price: $577,500 (down 26.2% on a year earlier).

Median price per square foot: $286.

Median days on market: 60.

Median sale price as a share of the original list price: 93.9%.

68 homes for sale now, about 10.5 months of supply at the pace of the last six months.

Source: Unlock MLS, ABOR-listed sales only, rolling 6 months ending Sep 30, 2026. Homes only (single-family, condo, townhome). Information deemed reliable but not guaranteed.

The Fredericksburg market presents a unique financing picture where every recorded sale in the last six months involved a loan. Across 38 closed transactions with a median price of $577,500, the data shows zero cash purchases and zero cash share. This absence of all-cash deals suggests that buyers in this area are relying entirely on traditional mortgage financing to close their real estate transactions during this period. ALEX Intelligence analyzed the financing fields for all closed sales to determine the split between cash and financed purchases. The sample size of 38 transactions provides a clear view of current buyer behavior, though the lack of cash activity is notable compared to other Hill Country markets where cash buyers often compete more frequently. With mortgage rates at 7.32% according to the Freddie Mac Primary Mortgage Market Survey for the week of October 22, 2026, financing costs remain a significant factor for local buyers. The median contract-to-close time was not recorded in this dataset, but the reliance on loans means interest rate fluctuations directly impact purchasing power and monthly payments for residents looking to buy in Fredericksburg. The data indicates that for every home sold in this rolling six-month window, a lender was involved in the transaction. This trend highlights the importance of mortgage pre-approval and rate lock strategies for anyone entering the Fredericksburg market today. Want a closer look? Reply or call George at 713.918.9951 and we'll set up a showing. Coverage: most home sales in Fredericksburg are listed in the Central Hill Country MLS, which ALEX does not receive yet. The figures in this post count only sales listed in Unlock MLS (ABOR), so they describe part of the local market, not all of it. 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