Howdy, class! Pull up a seat and let’s unpack what’s happening out in our big-wide Texas home market. Think of me as your mortgage-professor with a bit of cowboy boots flair.
1. What’s the Scoop in Texas?
Right here in Texas:
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The median days on market for homes: about 69 days in October 2025. FRED+2Redfin+2
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For example, in the Houston metro, homes spent an average of 55 days on the market, up from 52 the year before. har.com
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Inventory (homes listed for sale) is rising—so there’s more choice. Redfin+1
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Price cuts are becoming more common: In Texas, only about 10.7% of homes sold above list price, showing fewer bidding wars. Redfin
In plain Texan: homes are hanging around a bit longer than they used to, and sellers are beginning to feel the heat.
2. Why It’s Happening (Pepper Avenue Edition)
🔥 High Mortgage Rates Still Play Sheriff
Even though rates have dipped somewhat, they’re still high compared to a few years ago. That means fewer buyers are jumping in like they did during the “pandemic boom”.
📦 More Supply, Less “Hot Potato”
With more active listings, buyers aren’t in the “grab it before someone else does” frenzy quite as much. The market’s cooling into something more balanced.
🎯 Seller Expectations vs. Texas Reality
Some sellers are acting like we’re still in 2021’s wild rodeo of bidding wars—but the market’s changed. When expectations stay high and buyer urgency drops, homes sit longer.
🌪 Regional “Weather” Varies
Just like a Texas weather front, market conditions differ — Houston might be one pace, Austin or San Antonio another. Always zoom in on your local patch of the prairie.
3. What This Means for Buyers & Sellers in Texas
For Buyers
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You’ve got leverage: With more homes available and fewer wild bidding wars, you can breathe a little easier.
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Take your time: This isn’t the race it was. You can weigh options, get your financing sorted, and move intelligently.
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Spot the bargains: Homes that have been listed for 60+ days may be ripe for negotiation.
For Sellers
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Price it right out of the gate: Overpricing can make your home sit — and in Texas, sitting isn’t sexy.
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Expect a longer run: Don’t assume a “sell in 2 weeks” timeline. Plan for a longer stay on the market.
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Presentation counts: When buyers have more choices, the winner is the house that shows well, repairs done, staging sharp.
4. How MORTGAGEinc Helps You Ride the Market with Confidence
At MORTGAGEinc, we’re more than transaction-lenders — we’re your lifetime partner in Texas home-ownership.
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Buyers: We’ll help you map your budget, check what today’s rates mean for your monthly payment, and prep you to make a strong offer (without jumping into an overpriced situation).
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Sellers: We’ll help you evaluate whether now is a smart time to list, what financing your next move should look like, and how to plan for contingencies (e.g., if your home sits longer than expected).
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Education: We’ll keep you posted on Texas-specific trends — so you’re making decisions based on data, not hearsay.
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Timing & Strategy: Like a good rancher watching the weather, we’ll help you time your buying or selling so you’re ready for whatever the market throws at you.
5. Final Bell: The Texas Takeaway
Homes in Texas are staying on the market longer than in the boom days, and we’re seeing more price cuts popping up. That’s good news for strategic buyers (you’re in the driver’s seat). It means sellers need to be realistic, patient, and prepared (you’re navigating a slower-paced trail).
And remember — in Texas, everything may be bigger, but that also means you want a lender who understands the scale.
At MORTGAGEinc, we’re here wearing our boots, ready to guide you whether you’re buying, selling, or refinancing. Because life is short — and you deserve to create some awesome moments… maybe even on a new front porch in your perfect Texas home.