Guadalupe County Entry-Level Homes: Affordability Check

What does it take to buy an entry-level home in Guadalupe County today? The median price for the bottom quartile of sales sits at $320,000 across 87 closed transactions in the rolling six months ending September 30, 2026. This figure represents the most accessible tier of the market, yet current financing costs significantly impact monthly affordability. ALEX Intelligence applied a payment-to-price affordability model using the median entry-level price and the prevailing mortgage rate of 7.32% from the Freddie Mac Primary Mortgage Market Survey dated October 22, 2026. The data indicates a loan amount of $256,000 for this price point, resulting in a principal and interest payment of approximately $1,759 per month. This calculation excludes taxes and insurance but highlights the baseline cost of ownership at current rates. The data shows that while prices for entry-level homes have risen 8.5% compared to the same period last year, the number of sales in this tier has fluctuated. The median price per square foot for these homes is $167, which matches the county-wide average and reflects the specific characteristics of the entry-level inventory. Buyers looking at this segment must weigh the higher monthly payments against the potential for appreciation and the limited supply of homes under the luxury threshold of $685,000. With 107 active listings today and a median days on market of 43, competition remains moderate. However, the affordability index suggests that buyers in this price range need to be prepared for higher carrying costs than in previous years. The market is currently balanced between supply and demand for these specific properties, but the rate environment remains the primary constraint on purchasing power. Want a closer look? Reply or call George at 713.918.9951 and we'll set up a showing. Coverage: most home sales in Guadalupe County 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