Fredericksburg: How Mortgage Rates Shape Buying Power Today

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.

What does a 7.32% mortgage rate mean for a buyer in Fredericksburg today? With the median closed sale price at $577,500 across 38 transactions in the rolling six months ending September 30, 2026, monthly payments are sensitive to even small shifts in interest rates. A standard purchase with 20% down on a $462,000 loan results in a principal and interest payment of $3,174 per month at the current rate. ALEX Intelligence modeled two common buydown scenarios to show how sellers can adjust monthly costs for buyers. A 3-2-1 buydown reduces the rate to 4.32% in year one, saving $882 monthly, then 5.32% in year two and 6.32% in year three. The total cost of this buydown is $21,516, or 3.73% of the median sale price. A shorter 2-1 buydown costs $10,932 (1.89% of price) and offers savings for just two years. These figures illustrate how financing terms directly impact affordability in a market where the median price per square foot has dropped to $286 from $426 a year ago. While the rate environment remains elevated, structured concessions can bridge the gap between buyer budgets and current pricing levels. The data reflects 38 closed sales over six months, with no cash-only transactions reported in this window. 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