Emory Crossing: Cash vs. Financed Purchases in a New-Construction Market

In the rolling six months ending September 30, 2026, every single home sold in Emory Crossing was financed; zero buyers paid cash. This data point comes from 37 closed sales where the financing type was recorded at closing. While the median sale price rose to $365,510, a 17.5% increase over the prior six-month period, the absence of cash transactions suggests that even in this active new-construction community, buyers are relying on mortgage financing to close deals. ALEX Intelligence analyzed the closing records to determine the share of sales by payment type. The data shows a 0% cash share across all price tiers during this window. This is notable given that 35 of the 37 closings were for new construction, where buyers often utilize builder financing or specific loan programs rather than traditional cash purchases. The median contract-to-close timeline was not recorded in this dataset, so we cannot determine how long these financed deals took to finalize compared to historical norms. However, the market remains active with a median price of $365,510 and 55 days on market. With mortgage rates at 7.32% as of late October, buyers are likely leveraging financing options like buydowns to manage monthly payments, as evidenced by the availability of 3-2-1 and 2-1 buydown structures in the broader market data. The lack of cash sales indicates that affordability remains a primary driver, with buyers depending on credit availability rather than liquid assets to enter the Emory Crossing market. This trend aligns with regional patterns where financing dominates even in high-demand new-construction environments. 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