If you’ve been watching the Central Texas housing market, you already know affordability has become one of the biggest challenges for buyers. But opportunities still exist — especially in Buda, Kyle, and South Austin. These areas offer a rare mix of accessibility, value, and community, with plenty of homes available under $400K.
At Holley Homes Realty, Brandon Holley and his team help buyers find affordable homes that fit both budget and lifestyle. Whether you’re a first-time homeowner or a seasoned investor, the right strategy can uncover quality properties that don’t compromise on comfort or convenience.
Each of these communities offers its own version of affordability, but all share the same foundation — access to Austin’s economy without paying Austin prices.
In Buda, you’ll find established neighborhoods, growing master-planned communities, and easy access to Austin via I-35. Median home prices remain below the Travis County average, with newer subdivisions offering move-in-ready options under $400K.
Kyle continues to attract buyers with developments like Anthem and 6 Creeks, both designed for families seeking space and value. The city’s rapid growth has brought shopping, dining, and new schools, all while maintaining affordability.
Meanwhile, South Austin (78748) remains one of the city’s most sought-after ZIP codes for its balance of proximity and price. With mature trees, community parks, and local favorites like Moontower and Armadillo Den nearby, it’s the perfect middle ground for those wanting city living without the downtown premium.
The market under $400K looks different depending on the area. In Buda and Kyle, buyers can expect three- to four-bedroom homes with modern layouts, energy-efficient features, and neighborhood amenities. In South Austin, it might mean cozy single-story homes, updated condos, or townhomes with quick access to major roads and shopping.
Even as prices shift, opportunities remain steady for buyers ready to act quickly. Brandon Holley, an experienced Austin, Texas Realtor, tracks local listings daily and helps clients find properties before they hit major search sites.
If you’re not sure where to start, try the Search Homes in Central Texas tool or narrow down by ZIP code:
Homes under $400K tend to move quickly, especially when they’re priced right. Here are a few strategies that help buyers succeed:
Start by getting pre-approved through your Affordability Check & Lender Match consultation. Knowing your exact budget strengthens your position when making offers. Next, stay flexible on location and features — sometimes a slightly different neighborhood can open up better options.
Finally, be prepared to act fast. In markets like South Austin, homes listed on Friday are often under contract by Monday. Working with a local expert like Brandon Holley ensures you’re alerted to new opportunities as soon as they appear.
Even with rising costs, Buda, Kyle, and South Austin continue to outperform expectations when it comes to long-term appreciation. Buda and Kyle have seen population increases of more than 50% over the past decade, driven by job growth and quality of life. South Austin maintains strong demand from both first-time buyers and investors looking for reliable rental returns.
Proximity to major employers like Tesla, Samsung, and Oracle adds stability to the region. Combined with ongoing infrastructure investments, these cities remain some of the best areas in Texas for affordable, high-quality living.
(Sources: Austin Board of Realtors 2024 Market Report; City of Kyle Development Office)
Explore affordable listings through the Search Homes in Central Texas tool, or reach out to Brandon Holley for a personalized strategy based on your goals.
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