Travis County: Cash vs. Financed Purchases in October

In October 2026, the market activity in Travis County was driven entirely by financed purchases, as no cash transactions were reported among the 981 closed sales. The data shows a cash share of zero percent across all price tiers, indicating that every buyer relied on mortgage financing to close their deal. ALEX Intelligence analyzed the financing patterns for this month and found that the entire volume of 981 homes sold was funded through loans. This absence of cash buyers contrasts with historical trends where cash purchases often provide a buffer during market shifts. With no cash transactions recorded, the market's liquidity depends entirely on buyer access to credit at current rates. The median sale price for these financed transactions stood at $480,000, down 2.0% from September and 5.4% lower than October of the previous year. While the share of homes selling below original list price was 83.5%, the lack of cash offers suggests that buyers are negotiating primarily through financing terms rather than all-cash speed. The current mortgage rate environment, at 7.18% for a 30-year fixed loan, likely influences this dynamic. Buyers appear to be navigating these rates without the option to bypass them with cash, making payment affordability and interest rate buydowns critical factors in closing deals. The data reflects a market where financing is the sole vehicle for transaction completion during this period. Want a closer look? Reply or call George at 713.918.9951 and we'll set up a 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