Buying a home in Austin, Texas, or nearby communities like Buda and Kyle, often starts with one question: How much can I actually afford with today’s rates?
Online calculators give an estimate, but real insight comes from pairing accurate numbers with expert local guidance. That’s why Holley Homes Realty created the Affordability Check & Lender Match service — a simple way for Central Texas buyers to understand their true purchasing power before they start touring homes.
Led by Brandon Holley, a trusted Austin, Texas Realtor, this service helps you calculate a realistic budget, compare loan programs, and get matched with reputable local lenders who know how to move quickly in a competitive market.
Before you start visiting open houses, it’s essential to understand what fits comfortably within your budget. An accurate affordability check goes beyond a rough estimate. It clarifies what monthly payments, loan programs, and down payment options align with your financial goals.
This process helps you focus on homes that fit your lifestyle and long-term plans — not just what looks appealing online. Buyers who complete an affordability check early often move faster and negotiate stronger offers because they’re prepared with verified numbers.
You can start now with our Mortgage Calculator to get a general idea of your price range. Once you have a baseline, our team will review updated market conditions and lender programs to give you a clearer view of your true buying potential.
Finding a lender isn’t just about securing a low rate. It’s about choosing a professional who understands Austin, Texas real estate and can guide you smoothly from pre-approval to closing.
Through the Lender Match Program, we connect you with trusted local lenders in South Austin, Buda, and Kyle. Each lender is carefully vetted for reliability, speed, and communication.
Once you’re matched, you’ll receive a full comparison of available loan programs — including FHA, VA, conventional, and new construction options. This transparency helps you understand how each loan type affects your monthly payments, down payment, and closing timeline.
When your pre-approval is ready, you’ll be positioned to make competitive offers with confidence.
The Central Texas housing market continues to evolve as demand and interest rates shift. According to the Austin Board of Realtors (ABoR), the median home price in the Austin–Round Rock area as of 2024 is around $450,000. That’s slightly lower than the 2022 peak but still strong, reflecting stable long-term appreciation.
For buyers, this means opportunity. Areas like 78748, Buda (78610), and Kyle (78640) offer strong value, lower tax rates, and access to top employers like Tesla, Samsung, and Oracle. With steady population growth and infrastructure expansion, Central Texas continues to be one of the most desirable markets for buyers looking for both comfort and investment potential.
(Source: Austin Board of Realtors 2024 Market Report)
Where can I find affordable homes near Austin?
You’ll find excellent options in South Austin’s 78748, Buda, and Kyle. These areas offer a balance of affordability, great schools, and easy access to downtown Austin.
Should I get pre-approved before looking at homes?
Yes. Pre-approval gives you clarity on your budget and positions you as a serious buyer when submitting offers. Sellers take pre-approved offers more seriously, especially in competitive markets.
Can I still buy if rates rise again?
Absolutely. Many lenders offer rate buydowns and refinancing programs to help offset changes. What matters most is buying the right home at the right time for your lifestyle and goals.
Expert Insight from Brandon Holley
“A buyer who knows their numbers moves faster and negotiates stronger. Clarity always wins in this market.”— Brandon Holley, Broker/Owner, Holley Homes Realty
Brandon’s approach centers on preparation and education. Each client conversation begins with real numbers, realistic options, and strategies built for today’s market.
Buying a home in Central Texas doesn’t have to be stressful. With a clear understanding of your budget and the right local connections, you can make every step of the process easier and more strategic.
Use the Mortgage Calculator to explore payment options or schedule your personalized Affordability Check & Lender Match Consultation today.
512.487.9242
Helpful Resources
Buyer Guide | Seller Guide | New Construction Guide | Home Value Estimator | Homeowner Resource Hub
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