Explore Housing Affordability Trends
Welcome to Team Price Real Estate’s comprehensive resource on housing affordability and mortgage trends in Central Texas. This detailed PDF, compiled with data up to April 1, 2025, offers a deep dive into monthly mortgage payments (PITI – Principal, Interest, Taxes, and Insurance) based on median sold prices, 30-year mortgage rates, and a 20% down payment from 2000 to early 2025. Spanning over two decades, it includes year-over-year changes, month-over-month differences, and affordability rankings across dozens of zip codes in cities like Austin, Georgetown, and Round Rock. Whether you’re a homebuyer, seller, or investor, this static snapshot provides a valuable historical perspective to understand market cycles and affordability dynamics
At Team Price Real Estate, we empower you with the tools to navigate the housing market confidently. This resource offers more than just numbers—it’s a window into how affordability has evolved over time, helping you assess whether now is the right time to buy or sell. Explore detailed tables showing PITI variations with different down payment scenarios (from 3.5% FHA to 20% conventional), mortgage insurance costs, and income-to-PITI ratios for key Central Texas zip codes. With insights like the minimum ($1,037 in 2003) and maximum ($3,767 in 2022) monthly payments, plus affordability classifications (affordable, moderately affordable, and unaffordable zip codes), you can benchmark your budget against historical trends and local realities. Use this enduring data to plan strategically, no matter the market conditions.
Housing Affordability by Price Percentiles
Cities
- Austin
- Bastrop
- Buda
- Burnet
- Cedar Creek
- Cedar Park
- Dale
- Del Valle
- Driftwood
- Dripping Springs
- Elgin
- Georgetown
- Hutto
- Jarrell
- Kyle
- Lago Vista
- Lakeway
- Leander
- Liberty Hill
- Lockhart
- Manchaca
- Manor
- Marble Falls
- Pflugerville
- Round Rock
- San Marcos
- Smithville
- Spicewood
- Taylor
- Wimberley
- Entire MLS
Housing Affordability by Price Percentiles
Zip Codes
- 78701Austin
- 78702Austin
- 78703Austin
- 78704Austin
- 78705Austin
- 78717Austin
- 78721Austin
- 78722Austin
- 78723Austin
- 78724Austin
- 78725Austin
- 78726Austin
- 78727Austin
- 78728Austin
- 78729Austin
- 78730Austin
- 78731Austin
- 78732Austin
- 78733Austin
- 78734Austin
- 78735Austin
- 78736Austin
- 78737Austin
- 78738Austin
- 78739Austin
- 78741Austin
- 78744Austin
- 78745Austin
- 78746Austin
- 78747Austin
- 78748Austin
- 78749Austin
- 78750Austin
- 78751Austin
- 78752Austin
- 78753Austin
- 78754Austin
- 78756Austin
- 78757Austin
- 78758Austin
- 78759Austin
- 78617Del Valle
- 78645Lago Vista
- 78652Manchaca
- 78653Manor
- 78660Pflugerville
- 78669Spicewood
- 78613Cedar Park
- 76527Florence
- 78626Georgetown
- 78628Georgetown
- 78633Georgetown
- 78634Hutto
- 76537Jarrell
- 78641Leander
- 78642Liberty Hill
- 78664Round Rock
- 78665Round Rock
- 78681Round Rock
- 76574Taylor
- 78610Buda
- 78619Driftwood
- 78620Dripping Springs
- 78640Kyle
- 78666San Marcos
- 78676Wimberley
- 78602Bastrop
- 78612Cedar Creek
- 78621Elgin
- 78957Smithville
- 78605Bertram
- 78611Burnet
- 78654Marble Falls
- 78616Dale
- 78644Lockhart
