Crosswinds: How Mortgage Rates Shape Buying Power Today

Deal of the Week

Deal of the Week · 130 Starboard LN, Kyle TX 78640 · MLS #7246764 · Listed by Redfin Corporation. ALEX valuation $341,000 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 $328,000 130 Starboard LN, Kyle TX 78640 · MLS #7246764 Listed at $325,000, 4 bed, 3 bath, 2,110 sq ft. Listed 5% below the ALEX valuation; 7% under the local price per sq ft; price reduced 7% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1189778938/130-Starboard-LN-Kyle-TX Lower-middle quartile: $328,000 to $355,000 208 Tailwind DR, Kyle TX 78640 · MLS #7271512 Listed at $329,000, 3 bed, 2.5 bath, 2,169 sq ft. The top-scoring home for sale here this week on price per sq ft, price changes and time on market; 17% under the local price per sq ft; price reduced 6% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1190224772/208-Tailwind-DR-Kyle-TX Upper-middle quartile: $355,000 to $411,000 304 Bay Breeze DR, Kyle TX 78640 · MLS #8323285 Listed at $369,900, 4 bed, 3 bath, 2,427 sq ft. Listed 1% 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/1173777387/304-Bay-Breeze-DR-Kyle-TX Upper quartile: $411,000 and up 445 Bay Breeze DR, Kyle TX 78640 · MLS #3129363 Listed at $499,900, 4 bed, 3 bath, 2,373 sq ft. The top-scoring home for sale here this week on price per sq ft, price changes and time on market; price reduced 13% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1187910795/445-Bay-Breeze-DR-Kyle-TX

Key figures · Crosswinds · rolling 6 months ending Oct 31, 2026

38 homes sold in Crosswinds in the 6 months ending Oct 31, 2026 (down 36.7% on a year earlier).

Median net sale price: $342,500 (down 8.3% on a year earlier).

Median price per square foot: $174.

Median days on market: 114.

Median sale price as a share of the original list price: 90.5%.

67 homes for sale now, about 10.6 months of supply at the pace of the last six months.

Source: Unlock MLS, rolling 6 months ending Oct 31, 2026. Single-family homes; prices net of seller-paid concessions, the same figures as the ALEX market statistics pages. Information deemed reliable but not guaranteed.

What does a 7.18% mortgage rate mean for a buyer in Crosswinds today? With the median closed price at $342,500 across 38 single-family homes over the last six months, monthly payments are sensitive to every basis point. A standard 30-year fixed loan with 20% down on that median price results in a principal-and-interest payment of $1,856 per month at the current rate. ALEX Intelligence modeled two common buydown scenarios to show how rates affect affordability. A 3-2-1 buydown lowers the rate to 4.18% in year one, reducing the monthly payment by $519 and saving $6,228 that year. The cost of this buydown is $12,660, or 3.7% of the median price. A 2-1 buydown offers a smaller reduction to 5.18% in year one, saving $355 monthly for a total cost of $6,432, or 1.88% of the median price. These figures assume a 20% down payment and principal-and-interest only. The data shows that while prices have risen slightly versus the prior six-month window, they remain below last year's levels, yet higher rates continue to influence how much buyers can afford. Buyers should weigh the upfront cost of a buydown against their expected time in the home and current cash flow needs. ALEX Intelligence estimate, not an appraisal. 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

George Arnold Alexander III, MPA

Partner, ALEX Companies

Associate Broker, Alexander Tiffany Southwest, LLC

Licensed Broker in TX, CO, NC, AL

[email protected] · +1 713.918.9951

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