Horseshoe Bay: Entry-Level Homes and Affordability Check

Deal of the Week

Deal of the Week · 105-D Lachite, Horseshoe Bay TX 78657 · MLS #3229527 · Listed by RE/MAX HORSESHOE BAY RESORT SA. ALEX valuation $674,000 is an ALEX Intelligence estimate, not an appraisal.

This week's 3 best values under $1,000,000, ranked by the ALEX deal score: 1. 105-D Lachite, Horseshoe Bay TX 78657 · MLS #3229527 Listed at $650,000, 3 bed, 3.5 bath, 2,253 sq ft. Listed 4% below the ALEX valuation; 7% under the local price per sq ft; price reduced 10% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1188095725/105-D-Lachite-Horseshoe-Bay-TX 2. 103 Oasis ST # A, Horseshoe Bay TX 78657 · MLS #2879741 Listed at $580,000, 2 bed, 2 bath, 2,168 sq ft. Listed 1% below the ALEX valuation; price reduced 3% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1177385831/103-Oasis-ST-A-Horseshoe-Bay-TX 3. 305 Grove CT, Horseshoe Bay TX 78657 · MLS #4662603 Listed at $995,000, 3 bed, 3 bath, 2,395 sq ft. Listed 1% below the ALEX valuation. See it on alex.realestate: https://www.alex.realestate/listing-detail/1182515158/305-Grove-CT-Horseshoe-Bay-TX

Key figures · Horseshoe Bay · rolling 6 months ending Sep 30, 2026

101 homes sold in Horseshoe Bay in the 6 months ending Sep 30, 2026 (up 6.3% on a year earlier).

Median sale price: $785,000 (down 1.3% on a year earlier).

Median price per square foot: $301.

Median days on market: 77.

Median sale price as a share of the original list price: 91.6%.

190 homes for sale now, about 11.3 months of supply at the pace of the last six months.

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

What does it cost to buy an entry-level home in Horseshoe Bay today? The bottom quartile of the market shows a median closing price of $572,450 across 101 sales over the last six months. This figure represents the most affordable tier available in this lakefront community. ALEX Intelligence analyzed the current financing environment using a 30-year fixed mortgage rate of 7.4% from the Freddie Mac Primary Mortgage Market Survey dated October 15, 2026. For a buyer purchasing at the entry-level median with a 20% down payment, the principal and interest payment is estimated at $3,928 per month. This calculation assumes standard underwriting criteria and does not include taxes or insurance. The market has seen significant price volatility in this segment. While the overall median price for all homes rose 12.9% compared to the prior six-month period, the entry-level tier reflects a different reality. The median price per square foot dropped 9.6% from the prior period to $301, suggesting that smaller or older properties are adjusting faster than the luxury segment. Buyers should note that 92.1% of homes in this market sold below their original list price. For those seeking value, a 2-1 buydown could reduce the initial interest rate to 5.4%, lowering the monthly payment by $822 for the first year at a total cost of roughly $14,904. This strategy may improve affordability during the current high-rate environment. The data covers 101 closed sales in the rolling six-month window ending September 30, 2026. All figures are estimates based on historical transaction data and current market rates. Want a closer look? Reply or call George at 713.918.9951 and we'll set up a 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