Guadalupe County: How Rates Shape Buying Power This Month

What does a 7.28% mortgage rate mean for a buyer in Guadalupe County today? With the median sale price at $330,000 across 95 closed sales in the rolling six months ending August 31, 2026, monthly payments are sensitive to every basis point. A standard purchase with a loan amount of $264,000 and a 7.28% rate results in a principal-and-interest payment of $1,806 per month. ALEX Intelligence applied a scenario model using the median price and current Freddie Mac rates to show how buydowns alter affordability. A 3-2-1 temporary buydown reduces the rate to 4.28% in year one, cutting the monthly payment by $503 for that year. The total cost of this buydown is $12,252, or 3.71% of the median price. A 2-1 buydown costs $6,216 (1.88% of price) and lowers the rate to 5.28% in year one, saving $343 monthly during that period. These figures assume a loan amount of $264,000 on the median home. Buyers should compare these upfront costs against their cash flow needs and how long they plan to hold the property. The data reflects ABOR-listed sales only; most listings in this area are in another MLS, so coverage is partial. Shopping in Guadalupe County? Tell us what you want and we'll send matching homes as they list. Data from Unlock MLS. Information deemed reliable but not guaranteed. Model outputs are ALEX Intelligence estimates, not appraisals. View and join any or all of our communities — AI, quantum, and real estate: https://alex-companies.com/reports/linkedin-groups If there's an AI, quantum, or real estate community you'd like to see us convene, tell us — this portfolio grows by request. 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