ShadowGlen Cash vs. Financed Purchases in Rolling Six Months

In ShadowGlen, every single home sold in the past six months was purchased with financing. The data shows zero cash transactions among the 36 closed sales recorded between April and September 2026. This means 100% of buyers relied on mortgage loans to complete their purchases. This pattern stands out when compared to broader market trends where cash buyers often account for a significant share of activity. The absence of cash deals in ShadowGlen suggests that local buyers are primarily dependent on traditional financing, likely driven by the current mortgage environment. With the 30-year fixed rate at 7.32% as of late October, monthly payments remain a central factor in buyer decisions. For example, on a median sale price of $399,000 with a 20% down payment, a standard loan would require a principal and interest payment of $2,193 per month. Buyers utilizing a 3-2-1 buydown could reduce that initial payment to $1,583 in the first year, saving $610 monthly compared to the standard rate. Similarly, a 2-1 buydown would lower the first-year payment to $1,776, offering a $417 monthly reduction. The reliance on financing highlights how interest rates directly influence purchasing power in this community. While the median price held steady at $399,000 compared to the same period last year, the lack of cash activity indicates that affordability calculations are heavily tied to current borrowing costs. As rates fluctuate, the balance between cash and financed purchases may shift, but for now, ShadowGlen remains a market where every transaction involves a lender. 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