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Featured local agent — Alto, TX
Sarah Mitchell
Compass Real Estate · Alto, TX
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Alto, TX Housing Market
The typical home in Alto, TX is worth $258,161, rose 8.6% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $239,500 (through May 2026). With 3.0 months of supply and homes going under contract in about 232 days, Alto is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $258,161 home is about $1,378/mo in principal and interest.
Key numbers for Alto, TX
Typical home value
$258,161
+8.6% in 12 months
Zillow, August 2026
Median sale price
$239,500
Last published period
Redfin, through December 2025
Days on market
232
Slow-moving
Redfin, through December 2025
Active listings
3
3.0 months of supply
Redfin, through December 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$56,719
Home costs 4.6x income
U.S. Census ACS, 2023
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Alto a buyer's or seller's market?
Alto, TX is a balanced market, based on 3.0 months of supply and homes selling in about 232 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Alto housing market data show?
Every row below is Redfin's final published month for Alto, TX. Redfin, through December 2025
| Metric | Value |
|---|---|
| Median sale price | $239,500 |
| Median list price | $130,000 |
| Median price per sq ft | $105/sq ft |
| Median days on market | 232 days |
| Active inventory | 3 listings |
| Months of supply | 3.0 months |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Alto is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Alto is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Alto home prices moved?
Across the 18 months we hold for Alto, TX, the median sale price rose 463.5%, from $42,500 in April 2021 to $239,500. The live Zillow value series has rose 8.6% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through December 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Alto?
Priced off the typical home value of $258,161 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $51,632 | $206,529 | $1,378/mo |
| 5% | $12,908 | $245,253 | $1,637/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,378, that implies roughly $59,066 a year before you add taxes and insurance. The median household in Alto earns $56,719, about $2,347 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 4.6x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Alto in the next 12 months?
Tell us your timeline. We send the Alto market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Alto?
Zillow does not publish a rent index (ZORI) for Alto, TX, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Alto?
Active listings in Alto, TX went from 2 in October 2022 to 3 in December 2025, a +50.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| April 2023 | 4 | 1 |
| May 2023 | 2 | not published |
| October 2023 | 1 | not published |
| November 2023 | 1 | 4 |
| December 2023 | 1 | not published |
| January 2024 | 1 | 1 |
| February 2024 | 1 | 1 |
| March 2024 | 1 | 1 |
| July 2024 | 3 | 1 |
| May 2025 | 3 | 1 |
| June 2025 | 4 | 1 |
| December 2025 | 3 | 1 |
Redfin, through December 2025
How does Alto compare to Texas and the U.S.?
Alto homes sell for $239,500 — 33% below the Texas median of $356,100. Against the national median of $410,700, Alto runs 42% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Alto, TX | $239,500 | not published | 232 days |
| Texas statewide | $356,100 | +2.1% | 56 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through December 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Alto
What buyers should watch
- Months of supply, currently 3.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $258 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $258,161 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Alto listing goes under contract in 232 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- In the last published month Alto added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +8.6% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Alto varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Alto
There are currently 3 homes listed for sale in Alto, Texas. The median listing price is $130K.
Active listings
3
Homes on market
Median list price
$130K
Avg. days on market
232
Days until sale
New this week
1
Newly listed
How much do homes cost in Alto by property type?
How the Alto, TX market breaks down across single-family homes, condos and townhouses. Redfin, through December 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $239,500 | $105/sq ft | 1 | 232 days |
Who lives in Alto?
American Community Survey estimates for Alto. U.S. Census ACS, 2023
Population
825
Households
393
Median income
$56,719/yr
Median age
35.2 years
Owner-occupied
41.7%
Median home value
$177,800
Median gross rent
$496/mo
Mean commute
21 min
41.7% of occupied homes in Alto are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $177,800 against Zillow's $258,161 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Alto?
3 schools tracked · 504 students
The largest public schools serving Alto, TX by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
ALTO EL
Grades PK-4 · 201 students
ALTO MIDDLE
Grades 5-8 · 156 students
ALTO H S
Grades 9-12 · 147 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Alto, TX?
Ordered by distance from Alto, not by size. Compare Alto side by side with any of them.
Alto housing market FAQ
Is Alto a buyer's or seller's market?
Alto, TX is currently a balanced market. That read comes from 3.0 months of supply, homes going under contract in about 232 days in the last month Redfin published (May 2026).
How much do homes cost in Alto?
The typical home in Alto, TX is worth $258,161 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $239,500, about $105 per square foot.
Is Alto cheaper than the rest of Texas?
Alto's median sale price of $239,500 is 33% lower than the Texas statewide median of $356,100, and 42% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Alto?
Homes in Alto, TX spent a median of 232 days on market before going under contract, versus 56 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Alto?
At the current 30-year fixed rate of 7.03%, 20% down on a $258,161 home is about $1,378 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $59,066 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $56,719.
Are home prices rising in Alto?
The typical home value in Alto, TX rose 8.6% over the last 12 months, from $237,749 to $258,161 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Alto?
Alto ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Alto?
That depends on your timeline, not on a headline. What the data says today: Alto, TX is a balanced market with 3.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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