Kyle 78640

Austin-Round Rock-Georgetown, TX · Hays County, TX · 33,767 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

66affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
20.6%
affordable
Days on market
82
daily
Price cuts
28.9%
of active
Valuation
-28.8%
vs assessor
Look up an address
50
/100
Mixed
cooling · seller slight · prices easing year-over-year.
Price trend
0
Affordability
95
Valuation
50
Economic health
66

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

45/ 100SellerBalancedBuyer
Balanced Market
DOM: 112d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)100
Days on Market (5%)100

Balanced market in 78640. List price is roughly fair — focus on condition and value. Payment burden: 20.6% of median income. Median days on market: 112. Renting is approximately 26% cheaper than buying (price-to-rent ratio: 15.1).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 6.7% YoY.

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Market snapshoteach number, once

Median price
$300,867
▾ 6.7% YoY
Days on market
82
daily · zip_data
Median rent
$1,666
ZORI
Investor score
54/100
cash-flow lens
Active listings
647
90-day

Valuation3 lenses, different anchors

vs assessor
-28.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$214,100
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+31.3%
County-wide market — the widest, slowest signal.
Hays+31.3%
Caldwell+41.9%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$162
Price-to-income3.4×

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How 78640 ranks in TX
percentile vs all Texas ZIPs · n=1763
Market velocity39%
Supply tightness0%
Affordability61%
Investment yield63%
Appreciation4%

Affordability, supply & momentum

12SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply21.1 mo
Days on Market82d
Inv vs History+0.2%
Listing Density28.4/1k
Affordability — payment burden
Monthly payment (P&I)$1,520
Payment burden20.6%
Median income · ZIP$88,533
Mortgage rate6.49% · 30yr
Total monthly own$1,821
Monthly rent$1,666
Market dynamics
Price cut %28.9%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply21.1
Sales (90d)0
Investment analysis
Median rent$1,666
Price-to-rent15.1
Est. cap rate4.3%
Buy vs rentneutral

Livability

Walk score2
Transit score
Bike score

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Hays County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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