If you're wondering, "How much house can I actually afford in Central Texas?"—you're not alone. With shifting interest rates, growing inventory, and major builder incentives across South Austin, Buda, and Kyle, your buying power may be higher than you think.
At Holley Homes Realty, led by Brandon Holley, we specialize in helping buyers—especially first-time and move-up buyers—get crystal clear on what’s possible before stepping into the market. Whether you're targeting 78748, 78610, 78640, or you're open to exploring all of Central Texas, we will connect you with the right lender to help you calculate your true affordability and uncover hidden savings.
That’s a difference of $327/month—or nearly $4,000 per year.
Your interest rate can have just as much impact on your monthly payment as the home price itself. This is why understanding your actual mortgage eligibility is the first step to shopping smart.
“We’ve had buyers get surprised—in a good way—when they find out they can afford more home or lock in a better rate by using one of our preferred lenders.” — Brandon Holley, Broker/Owner, Holley Homes Realty.
When the lender runs a full Home Affordability Check, they look at:
Other factors will include builder incentives, down payment assistance, and closing cost grants available in Central Texas, especially for:
Plus: We’re seeing value in Manchaca (78652), Easton Park (78617), and Bastrop (78602) as well—don’t overlook the outer ZIPs!
According to Freddie Mac, rates are expected to trend downward heading into 2025.
But:
Waiting could mean losing leverage or paying more if rates drop and buyers flood back into the market.
If you’re thinking about buying a home in Austin, Buda, Kyle—or anywhere in Central Texas—don’t guess. Let Brandon Holley and the team at Holley Homes Realty help you plan with confidence.
We’ll connect you with a trusted lender, show you move-in ready homes, and walk you through the entire process step by step.
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At Holley Homes Realty, led by Brandon Holley, we’ll help you time your move and navigate every step with confidence.
Real Deals. Real Stats. Real Estate You Can Trust
Brandon Holley | Broker/Owner | Holley Homes Realty
512.487.9242 | brandon@holleyhomesrealty.com
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