Cash vs. Financed Purchases in Temple Market

In Temple, the market data for September 2026 does not include a breakdown of financing types for the 26 closed sales. Consequently, ALEX Intelligence cannot calculate the share of cash versus financed purchases or determine how many buyers paid all cash. This absence prevents a direct comparison of payment methods for this specific month. The median sale price for these 26 homes was $255,000, representing a 5.6% increase from August and a 6.9% decrease compared to September 2025. While the volume of sales provides insight into market activity, the lack of financing details means we cannot assess how mortgage rates or cash availability influenced these specific transactions. Buyers relying on traditional financing face a 30-year fixed rate of 7.32% as of late October. For a median-priced home at $255,000 with a 20% down payment, the principal and interest payment would be approximately $1,401 per month. A 3-2-1 buydown could reduce that initial payment to $1,012 in the first year, though it would cost roughly $9,500 upfront. Without the specific cash-versus-financed split for Temple this month, we rely on broader trends and price movements to gauge buyer behavior. The median days on market stood at 48 days, down 11.1% from the prior month, suggesting steady demand despite the missing financing data points. URL: https://alex.realestate/market/temple Want a closer look? Reply or call George at 713.918.9951 and we'll set up a showing. Coverage: most home sales in Temple are listed in another 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