Lago Vista: Mortgage Rates and Buying Power in November

Deal of the Week

Deal of the Week · 3204 Mount Vernon Ave, Lago Vista TX 78645 · MLS #7834492 · Listed by eXp Realty, LLC. ALEX valuation $321,000 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 $340,000 3204 Mount Vernon Ave, Lago Vista TX 78645 · MLS #7834492 Listed at $319,000, 4 bed, 2 bath, 1,786 sq ft. Listed 1% below the ALEX valuation; 13% under the local price per sq ft. See it on alex.realestate: https://www.alex.realestate/listing-detail/1190585751/3204-Mount-Vernon-Ave-Lago-Vista-TX Lower-middle quartile: $340,000 to $415,000 5501 Hitching Post, Lago Vista TX 78645 · MLS #3784618 Listed at $360,000, 3 bed, 2 bath, 2,009 sq ft. Listed 4% below the ALEX valuation; 13% under the local price per sq ft; price reduced 4% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1188447615/5501-Hitching-Post-Lago-Vista-TX Upper-middle quartile: $415,000 to $599,000 20202 Lincoln CV, Lago Vista TX 78645 · MLS #2022882 Listed at $430,000, 3 bed, 2.5 bath, 2,089 sq ft. Listed 3% below the ALEX valuation; price reduced 11% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1187634820/20202-Lincoln-CV-Lago-Vista-TX Upper quartile: $599,000 and up 17501 Navigation LN, Lago Vista TX 78645 · MLS #8813270 Listed at $1,100,000, 4 bed, 3.5 bath, 4,531 sq ft. Listed 8% below the ALEX valuation; price reduced 21% from original. See it on alex.realestate: https://www.alex.realestate/listing-detail/1180733268/17501-Navigation-LN-Lago-Vista-TX

Key figures · Lago Vista · October 2026

31 homes sold in Lago Vista in October 2026 (up 3.3% on a year earlier).

Median sale price: $380,000 (up 2.2% on a year earlier).

Median price per square foot: $201.

Median days on market: 64.

Median sale price as a share of the original list price: 94.9%.

198 homes for sale now, about 7.1 months of supply at the pace of the last six months.

Source: Unlock MLS, October 2026. Homes only (single-family, condo, townhome). Information deemed reliable but not guaranteed.

What does a 7.18% mortgage rate mean for buyers in Lago Vista today? With the median closed price at $380,000 across 31 sales in October, the monthly principal and interest payment on a loan with a $304,000 balance is $2,059. A 3/2/1 buydown can lower that to $1,483 in the first year, saving $576 per month, but it costs $14,040 upfront. ALEX Intelligence modeled these scenarios using the median sale price and current market rates to show how financing choices affect affordability. A 2/1 buydown reduces the rate to 5.18% in year one and 6.18% in year two for a total cost of $7,128, or about 1.88% of the home price. These figures are estimates based on current data and do not constitute an appraisal. The market shows resilience despite higher rates. Median prices rose 3.3% from the prior month and 2.2% year-over-year, while homes sold faster, with days on market down 29.7% compared to last October. Buyers who secure a buydown can improve their monthly cash flow during the initial years of ownership, though the upfront cost remains a significant consideration in today's rate environment. 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

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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