Lampasas County Cash Buyers vs. Financed Deals in September

Deal of the Week

Deal of the Week · 201 E 6th ST, Lampasas TX 76550 · MLS #4698727 · Listed by Texas Real Estate Sales. ALEX valuation $290,000 is an ALEX Intelligence estimate, not an appraisal.

This week's 5 best values under $1,000,000, ranked by the ALEX deal score: 1. 201 E 6th ST, Lampasas TX 76550 · MLS #4698727 Listed at $275,000, 3 bed, 1 bath, 1,521 sq ft. Listed 5% below the ALEX valuation; 3% under the local price per sq ft; price reduced 15% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1170069790/201-E-6th-ST-Lampasas-TX 2. 613 Central Texas EXPY # C, Lampasas TX 76550 · MLS #2626226 Listed at $550,000, 10 bed, 5 bath, 5,306 sq ft. Listed 3% below the ALEX valuation; 44% under the local price per sq ft. See it on alex.realestate: https://www.alex.realestate/listing-detail/1173964869/613-Central-Texas-EXPY-A-B-C-Lampasas-TX 3. 408 S Porter ST, Lampasas TX 76550 · MLS #3942439 Listed at $270,000, 3 bed, 2 bath, 1,557 sq ft. Listed 8% below the ALEX valuation; 7% under the local price per sq ft; price reduced 9% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1189720474/408-S-Porter-ST-Lampasas-TX 4. 1138 N River RD, Lampasas TX 76550 · MLS #9978271 Listed at $450,000, 2 bed, 1 bath, 935 sq ft. Listed 13% below the ALEX valuation; price reduced 100% from original. See it on alex.realestate: https://www.alex.realestate/listing?q=1138+N+River+RD%2C+Lampasas%2C+TX 5. 132 County Road 4765, Kempner TX 76539 · MLS #4474355 Listed at $349,500, 3 bed, 2 bath, 2,300 sq ft. Listed 2% below the ALEX valuation; 25% under the local price per sq ft; price reduced 5% from original. See it on alex.realestate: https://www.alex.realestate/listing?q=132+County+Road+4765%2C+Kempner%2C+TX

In Lampasas County, every single home sale over the past six months involved a mortgage. The data shows zero cash transactions among the 76 properties that closed between April and September 2026. This means 100% of buyers relied on financing to complete their purchases. ALEX Intelligence analyzed the financing types for all closed sales in this rolling window. While the broader region often sees a mix of cash and financed deals, Lampasas County currently shows no evidence of cash-only closings in the recorded transactions. This pattern suggests that local buyers are almost exclusively utilizing traditional mortgage products to acquire property. The median sale price for these financed homes was $319,745. With current 30-year fixed rates at 7.4% according to Freddie Mac data from October 8, 2026, the monthly principal and interest payment on a typical home with 20% down is approximately $1,771. Buyers who utilized buydowns saw significant initial savings; for example, a 3-2-1 buydown could reduce the first-year rate to 4.4%, lowering the monthly payment to $1,281 and saving roughly $490 per month compared to the standard rate. The absence of cash sales in this dataset highlights the reliance on credit markets for local real estate activity. As rates fluctuate, the cost of financing remains a primary factor for buyers entering the Lampasas County market. 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