Cash vs. Financed Purchases in Llano County

Deal of the Week

Deal of the Week · 1626 Cree TRL, Kingsland TX 78639 · MLS #9276664 · Listed by Zina & Co. Real Estate. ALEX valuation $264,000 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 $360,000 1626 Cree TRL, Kingsland TX 78639 · MLS #9276664 Listed at $289,000, 3 bed, 2 bath, 1,200 sq ft. The top-scoring home for sale here this week on price per sq ft, price changes and time on market; 41% under the local price per sq ft. See it on alex.realestate: https://www.alex.realestate/listing-detail/1187057284/1626-Cree-TRL-Kingsland-TX Lower-middle quartile: $360,000 to $583,000 204 Mountain Home RD, Horseshoe Bay TX 78657 · MLS #3136332 Listed at $559,000, 3 bed, 2 bath, 1,979 sq ft. The top-scoring home for sale here this week on price per sq ft, price changes and time on market; 9% under the local price per sq ft; price reduced 11% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1178686030/204-Mountain-Home-RD-Horseshoe-Bay-TX Upper-middle quartile: $583,000 to $1,165,000 214 Island Lodges DR, Buchanan Dam TX 78609 · MLS #9019904 Listed at $649,000, 2 bed, 2 bath, 2,100 sq ft. The top-scoring home for sale here this week on price per sq ft, price changes and time on market; price reduced 17% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1167870233/214-Island-Lodges-DR-Buchanan-Dam-TX Upper quartile: $1,165,000 and up 104 Orange Plume, Horseshoe Bay TX 78657 · MLS #8799377 Listed at $2,349,000, 4 bed, 4 bath, 5,612 sq ft. Listed 2% below the ALEX valuation; 4% under the local price per sq ft; price reduced 6% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1180162789/104-Orange-Plume-Horseshoe-Bay-TX

Key figures · Llano County · October 2026

22 homes sold in Llano County in October 2026 (up 4.8% on a year earlier).

Median net sale price: $542,500 (up 7.4% on a year earlier).

Median price per square foot: $267.

Median days on market: 131.

Median sale price as a share of the original list price: 83.5%.

288 homes for sale now, about 10.8 months of supply at the pace of the last six months.

Source: Unlock MLS, ABOR-listed sales only, October 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.

In Llano County, every single home that closed in October was purchased with a mortgage. The data shows zero cash transactions among the 22 closed sales recorded this month. This complete reliance on financing highlights how current interest rates and loan availability are driving the market dynamics for local buyers. The median sale price for these financed homes was $542,500. With a 30-year fixed rate at 7.11% as of mid-November, the monthly principal and interest payment on a typical home with a down payment is approximately $2,920. Buyers who utilized buydowns saw significant relief; for instance, a 3-2-1 buydown cost roughly $20,016 but reduced the first-year payment to about $2,100, while a 2-1 buydown cost around $10,176 and lowered the first-year payment to $2,359. This absence of cash sales contrasts with regional trends where cash buyers often compete more aggressively. In Llano County, the market is currently defined by borrowers navigating higher rates. The median price per square foot for these financed homes rose 12.5% compared to last year, reaching $267.12, suggesting that even without cash competition, demand remains strong enough to push values upward. ALEX Intelligence analyzed the financing type field for all closed sales in the October window to determine this split. The data indicates that affordability and loan qualification are the primary filters for buyers entering Llano County's market right now. Want a closer look? Reply or call George at 713.918.9951 and we'll set up a showing. Based on 22 closed sales in the October 2026. Coverage: most home sales in Llano County are listed in the Highland Lakes 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

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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