Cost of Buying a Home in Central Texas in 2025

Whether you're a first-time buyer or planning a move within the region, understanding the cost of buying a home in Central Texas in 2025 is crucial to planning your next step. With rising interest rates, shifting supply, and increasing demand for move-in ready homes, being informed about current pricing and expenses will help you budget wisely—and avoid surprises.

In this post, we’ll break down average home prices in Central Texas, key expenses for first-time buyers, and tips to keep your home buying costs manageable.

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Average Home Price in Central Texas

As of mid-2025, the average home price in Central Texas is around $345,000, though this varies by location and property type. Markets like San Marcos, New Braunfels, and Seguin continue to see steady growth due to their proximity to Austin and San Antonio.

Median Prices by Area (source: Redfin):

CityMedian Home Price (2025)Seguin$280,000San Marcos$320,000New Braunfels$360,000Kyle / Buda$350,000

Central Texas continues to offer more affordability compared to Austin and other metro areas—especially for families and first-time buyers.

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How Much Does It Cost to Buy a Home in Central Texas?

If you're wondering how much it costs to buy a home in Central Texas, the short answer is: it depends. Beyond the list price, you’ll want to account for these key expenses:

• Down Payment: 3–20% depending on your loan
• Closing Costs: 2–5% of the purchase price
• Home Inspections & Appraisals: $400–$800 combined
• Homeowners Insurance: $1,200–$2,000/year
• Property Taxes: 1.8%–2.5% of home value
• HOA Fees (if applicable)

Many builders and lenders also offer programs that support first-time home buyer expenses in Texas—including lower down payment options and assistance with closing costs.

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Key Expenses First-Time Buyers Should Know

When buying your first home, some of the most overlooked expenses include:

• Closing Costs for New Homes in Texas
  These can range from $6,000–$12,000 depending on price and lender fees.
  (source: Bankrate)
• Maintenance & Repairs
  Even new homes require routine maintenance (HVAC, yard work, filters, etc.)
• Furniture, Appliances & Move-In Costs
  Especially if your previous home was rented or shared.
• Emergency Fund
  Keeping 3–6 months of expenses saved is a smart safety net.

At COAH Homes, our goal is to reduce surprise costs by offering fully finished move-in ready homes with transparent pricing and modern amenities included.

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Home Buying Cost Breakdown for Central Texas

Here’s a simplified home buying cost breakdown for Central Texas based on a $325,000 home:

ExpenseEstimated CostDown Payment (5%)$16,250Closing Costs (3%)$9,750Inspection + Appraisal$700Homeowners Insurance (1st Year)$1,500Property Taxes (Year 1)$6,500Total Upfront Estimate~$34,700

Note: Actual numbers may vary by lender, loan type, and location.

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Tips for Managing Home Buying Costs

Looking to make smart decisions with your home buying costs in Texas? Here are a few strategies to help:

• Get pre-approved to know what you can truly afford
• Compare mortgage rates from multiple lenders
• Ask about builder incentives (some cover closing costs!)
• Choose move-in ready homes to avoid renovation expenses
• Use a builder with transparent pricing—like COAH Homes

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Conclusion

Understanding the cost of buying a home in Central Texas in 2025 can help you take the next step with confidence. Whether you're focused on budget, quality, or timeline, knowing what to expect makes all the difference.

At COAH Homes, we offer thoughtfully designed move-in ready homes with no guesswork—just quality, transparency, and care.

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