Siena Cash vs. Financed Purchases in Rolling Six Months

In the rolling six months ending September 30, 2026, every single home sale in Siena was financed by a buyer with a mortgage. The data shows zero cash purchases among the 65 closed transactions, meaning the share of cash buyers is 0%. This contrasts with regional trends where cash activity often fluctuates, but here the market relies entirely on traditional financing. The median close price for these 65 homes was $400,000, up 5.3% from the prior six-month period. While the volume of sales doubled compared to the previous window, the absence of cash deals suggests that buyers in Siena are dependent on mortgage availability and current interest rates. The median contract-to-close timeline is not currently tracked for this specific metric in the dataset, but the financing reliance remains a key characteristic of recent activity. ALEX Intelligence analyzed the financing types at closing to determine this split. With no cash transactions recorded, the market dynamics are driven by borrowers navigating the 7.32% mortgage rate environment. This complete reliance on financed purchases highlights the sensitivity of Siena's sales volume to lending conditions and buyer qualification standards during this period. The data reflects a specific snapshot of buyer behavior where leverage is the primary tool for acquisition. As rates and inventory shift, the proportion of cash buyers may change, but for this six-month window, financing was the exclusive method of purchase for all 65 homes sold. 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