Kyle Mortgage Rates and Buying Power in October

Deal of the Week

Deal of the Week · 305 Verano DR, Kyle TX 78640 · MLS #7336455 · Listed by One Stop Leasing & Prop Mgmt. ALEX valuation $273,000 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 $270,000 305 Verano DR, Kyle TX 78640 · MLS #7336455 Listed at $250,000, 4 bed, 2 bath, 1,668 sq ft. Listed 9% below the ALEX valuation; 9% under the local price per sq ft; price reduced 12% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1182548712/305-Verano-DR-Kyle-TX Lower-middle quartile: $270,000 to $319,000 133 Everglades DR, Kyle TX 78640 · MLS #1043626 Listed at $288,000, 3 bed, 2.5 bath, 2,179 sq ft. Listed 4% below the ALEX valuation; 17% under the local price per sq ft; price reduced 10% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1179975176/133-Everglades-DR-Kyle-TX Upper-middle quartile: $319,000 to $390,000 179 Knots LNDG, Kyle TX 78640 · MLS #7168161 Listed at $335,000, 4 bed, 3 bath, 2,218 sq ft. Listed 7% below the ALEX valuation; 9% under the local price per sq ft; price reduced 11% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1180697555/179-Knots-LNDG-Kyle-TX Upper quartile: $390,000 and up 164 Stock Pond TRL, Kyle TX 78640 · MLS #7653377 Listed at $529,164, 4 bed, 3.5 bath, 2,741 sq ft. Listed 5% below the ALEX valuation; 3% under the local price per sq ft; price reduced 12% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1177814784/164-Stock-Pond-TRL-Kyle-TX

Key figures · Kyle · September 2026

89 homes sold in Kyle in September 2026 (down 29.4% on a year earlier).

Median sale price: $299,999 (down 9.6% on a year earlier).

Median price per square foot: $167.

Median days on market: 56.

Median sale price as a share of the original list price: 95.0%.

557 homes for sale now, about 4.5 months of supply at the pace of the last six months.

Source: Unlock MLS, September 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 Kyle today? With the median sale price at $300,000 across 89 closed sales in September, a standard purchase results in a principal-and-interest payment of roughly $1,649 per month. That is an ALEX Intelligence estimate based on current market rates and does not constitute an appraisal. When rates are this high, many buyers turn to buydowns to lower their initial payments. A common 3-2-1 buydown reduces the rate to 4.32% in year one, cutting the monthly payment by $458 compared to the standard rate. This temporary relief costs $11,172 upfront, which is about 3.72% of the median home price. A shorter 2-1 buydown offers a smaller reduction, saving $313 in the first year for a cost of $5,676, or 1.89% of the price. The data shows that while the median price dropped 7.4% from August to September and is down 9.6% from last year, the monthly payment burden remains sensitive to rate fluctuations. Buyers should weigh the upfront cost of a buydown against their long-term plans, as these programs only affect the first few years of the loan. ALEX Intelligence calculated these scenarios using the median sale price of $299,999 and a 7.32% note rate from Freddie Mac. These figures reflect principal and interest only and do not include taxes or insurance. Want to see this home? Call or text George at 713.918.9951 for a private 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 Partner, 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