How Homeownership Builds Wealth in Central Texas—Even During Market Shifts

Is owning a home still a smart way to build wealth in today’s unpredictable housing market?

For many in Central Texas, the answer is a clear yes—and the numbers back it up. At Holley Homes Realty, we’ve worked with buyers across Austin, Buda, Kyle, and San Marcos who have used homeownership not just to gain stability, but to build lasting financial strength.

Here’s how owning real estate in Austin, Texas, and surrounding ZIPs creates real wealth—even during market ups and downs.

1. Building Equity Over Time

Every mortgage payment you make builds equity. It’s the opposite of rent, which disappears each month.

• According to the Federal Reserve, the median homeowner has a net worth 40 times higher than the median renter.
• Home values in ZIP code 78748 (South Austin) grew 54% between 2019 and 2024, even with interest rate shifts (Redfin Data).
• Equity gives you leverage—whether that’s a HELOC, home upgrade, or financial cushion.

2. Appreciation in Central Texas

Even with temporary slowdowns, Central Texas has long-term demand.

• The Austin-Round Rock-Georgetown metro area added 50,000+ new residents in 2023 (U.S. Census Bureau)
• Median home prices in Austin dropped slightly in 2023 but have rebounded in early 2024 due to a strong job market recovery (ABoR)
• Developments in Buda (78610) and Liberty Hill (78642) are expected to bring more infrastructure and price growth by 2026

In short: Your home in Austin, Texas, doesn’t just house you—it appreciates as the region grows.

3. Tax Advantages (Consult a Professional)

While we’re not offering tax advice, many homeowners benefit from deductions on mortgage interest and property taxes. Always consult a licensed tax advisor for personal guidance.

4. Forced Savings for the Future

When you pay your mortgage, you’re automatically building an asset. For many, that home becomes:

• A source of rental income down the road
• Collateral for investment or retirement moves
• A legacy to pass to future generations

As Brandon Holley says, “In Central Texas, your home can be your first business partner—it works for you even while you sleep.”

5. Stability in a Changing Market

Unlike rent, which can jump each year, a fixed mortgage means predictability. That’s especially powerful during economic uncertainty.

In 2024, the average rent in Austin is $1,886/month—up 8.2% year-over-year (Zumper). Buying a home locks in your housing cost and keeps you ahead of inflation.

6. Local Wealth Growth Case Study

A family purchased a home in Kyle (78640) in 2018 for $225,000. By 2024, that home appraised at $375,000—a $150K gain in equity without major renovations.

This is the kind of wealth-building Holley Homes Realty helps clients unlock every day.

FAQs

Where can I find affordable homes near Austin that still appreciate in value?

Look at Buda, Kyle, Manor, and parts of South Austin, such as 78748 and 78744.

How will this new development impact my home’s value?

We evaluate local schools, infrastructure, and job hubs to project potential value. Not all growth is created equal—Holley Homes Realty helps you navigate the smart spots.

What if I’m not ready to buy yet?

We’ll create a custom timeline and prep strategy so you're ready when the time is right.

Final Thoughts

Owning a home in Central Texas isn't just a milestone—it's a strategy. Even during market shifts, the long-term value of real estate stands strong.

Whether you're buying your first home, relocating to Austin, or investing in new construction, Brandon Holley and Holley Homes Realty are ready to help you build real wealth—one smart move at a time.

Call or text Brandon Holley at 512.487.9242

Email Brandon Holley at brandon@holleyhomesrealty.com

Also, check out our YouTube channel at Your Austin Home Guide | Holley Homes Realty​

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