Buda, Texas.
Typical home $350,091 (-3.8% in a year), asking rent $1,554 (-2.6%). Austin-Round Rock-Georgetown, TX metro.
to buy the typical home at today's mortgage rate — +$835 (+83%) since Jan 2020.
- 1 year
- Down $13,830 -4%
- $363,921$350,091 since Sep 2025
- 5 years
- Down $53,112 -13%
- $403,202$350,091 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Buda$1,838
- Texas$1,556
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Buda, TX fell 3.8% over the past year — slower than the nation's +1.2%.
Asking rents in Buda, TX fell 2.6% over the past year — slower than the nation's +2.7%.
Owning the typical home in Buda runs $1,144/mo more than renting one. The gap peaked at $1,771 in Oct 2022.
That is $2,698 a month against $1,554 rent: a $1,838 mortgage payment, plus $485 property tax and $375 insurance & upkeep.
Owning vs renting — Buda
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,698
- Renting$1,554
- Mortgage only$1,838
Property tax · $485/mo 1.66% of value a year — the ACS 2020-2024 median bill over the median home value for Hays County, TX
Insurance & upkeep · $375/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Buda, Hays County, Texas
Buda is a city of 15,108 people in Hays County. Half its households earn more than $123,766 a year and half less, against $89,097 across Hays County; 6% of its people live below the poverty line. 77% of its homes are lived in by their owners and 23% are rented. Unemployment in Hays County was 3.9% in August 2026, and the county had 3.0% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Buda is a small city in Hays County, and most homes there are lived in by their owners. Household incomes run well above the county's, and fewer residents live below the poverty line than you might expect. A four-year degree is common among adults, and the typical commute is a long one, though a good number of people work from home.
Work. Residents work mostly in schools, hospitals and social care, in professional and business services, in manufacturing, and in restaurants, hotels and entertainment. Among the largest workplaces in Buda are Walmart, The Paradies Shops and Polk Mechanical - CTX, a mechanical contractor. Unemployment across Hays County is close to where it stood a year ago, and the county has added jobs over the past year.
Things to do. For time outdoors, Onion Creek and the Lady Bird Johnson Wildflower Center, a botanical garden, are both a short drive away. A longer drive brings you to McKinney Falls State Park and to Circuit of the Americas, a race track. Winters are mild and brief, while summers are long and hot, so many outings suit the cooler months.
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- 6,058households
- 50%of adults have a degree
- 6%below the poverty line
- 29 mintypical commute
- 21%work from home
What residents work in
Employed residents by industry, from the Census survey. Hays County had 98,495 jobs in 2025, 3.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 59° and lows near 37°; warmest in August, with highs near 96° and lows near 72°.
Average daily high and low, 1991–2020, at the Austin 6S weather station, 12 miles away (NOAA).
Largest workplaces in Buda
- The Paradies ShopsSouvenir shops1,193
- WalmartWarehouse clubs and supercenters292
- Chamberlin AustinWaterproofing contractors281
- MAREK AustinDrywall contractors197
- Polk Mechanical - CTXMechanical contractors171
- Escobedo GroupHousing, single-family, construction general contractors160
- Buda Oaks Assisted LivingAssisted-living facilities without on-site nursing care facilities60
- Heaven Hill BrandsDistilleries49
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 20 workplaces with 20 or more staff, 2,766 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- TornadoesVery high
- LightningRelatively high
- HailRelatively high
- Winter weatherRelatively high
- Strong windRelatively high
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Buda’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Hays County and the Austin-Round Rock-Georgetown, TX metro.
Buda home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Buda$350,091
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 3 Buda listings, and the typical home goes pending in 54 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Buda33.54%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Buda54
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Buda277
New listings per month
Sellers arriving at the market.
- Buda60
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Buda$357,351
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
Not enough data to draw this yet.
Zip codes with a Buda address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Buda — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.