Brokers — List your Company Here
Featured local agent — Monte Alto, TX
Sarah Mitchell
Compass Real Estate · Monte Alto, TX
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
This spot is open. Be the only brokerage featured on this page — one slot, no auction.
Claim this spot* Example only — dummy agent for illustration. Your logo, name, tagline, link, and lead routing replace this content.
Monte Alto, TX Housing Market
The last median sale price Redfin published was $300,000 (through May 2026). With 2.0 months of supply and homes going under contract in about 57 days, Monte Alto is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $300,000 home is about $1,602/mo in principal and interest.
Key numbers for Monte Alto, TX
Median sale price
$300,000
Last published period
Redfin, through March 2026
Days on market
57
Average pace
Redfin, through March 2026
Active listings
2
2.0 months of supply
Redfin, through March 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$40,920
Home costs 7.3x income
U.S. Census ACS, 2023
Sale-to-list ratio
85.7%
Selling below asking
Redfin, through March 2026
Zillow figures 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 Monte Alto a buyer's or seller's market?
Monte Alto, TX is a balanced market, based on 2.0 months of supply and homes selling in about 57 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 Monte Alto housing market data show?
Every row below is Redfin's final published month for Monte Alto, TX. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $300,000 |
| Median price per sq ft | $61/sq ft |
| Median days on market | 57 days |
| Active inventory | 2 listings |
| Months of supply | 2.0 months |
| Sale-to-list price ratio | 85.7% |
| Homes sold (that month) | 1 |
| Listings with a price cut | 50.0% |
| 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 Monte Alto is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Monte 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 Monte Alto home prices moved?
Across the 10 months we hold for Monte Alto, TX, the median sale price rose 130.8%, from $130,000 in January 2023 to $300,000. 50.0% of Monte Alto listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 2.0 months while the sale-to-list ratio slips below its current 85.7%. Watch those two together — they move before the median does.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
Get Monte Alto market alerts
Weekly updates on prices, inventory, and trends. Free forever.
What does it cost to buy a home in Monte Alto?
Priced off the median sale price of $300,000 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% | $60,000 | $240,000 | $1,602/mo |
| 5% | $15,000 | $285,000 | $1,902/mo |
Redfin, through March 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 $1,602, that implies roughly $68,638 a year before you add taxes and insurance. The median household in Monte Alto earns $40,920, about $27,718 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 7.3x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Monte Alto in the next 12 months?
Tell us your timeline. We send the Monte 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 Monte Alto?
Zillow does not publish a rent index (ZORI) for Monte 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 Monte Alto?
Active listings in Monte Alto, TX went from 2 in March 2024 to 2 in March 2026, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| March 2024 | 2 | not published |
| January 2025 | 3 | not published |
| April 2025 | 2 | 1 |
| June 2025 | 1 | not published |
| September 2025 | 1 | 1 |
| December 2025 | 1 | 1 |
| March 2026 | 2 | not published |
Redfin, through March 2026
How does Monte Alto compare to Texas and the U.S.?
Monte Alto homes sell for $300,000 — 16% below the Texas median of $356,100. Against the national median of $410,700, Monte Alto runs 27% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Monte Alto, TX | $300,000 | not published | 57 days |
| Texas statewide | $356,100 | +2.1% | 56 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through March 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Monte Alto
What buyers should watch
- Months of supply, currently 2.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 50.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $300 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 $300,000 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 Monte Alto listing goes under contract in 57 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 85.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Comparable ZIP-level pricing inside Monte Alto varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Monte Alto
There are currently 2 homes listed for sale in Monte Alto, Texas.
Active listings
2
Homes on market
Avg. days on market
57
Days until sale
How much do homes cost in Monte Alto by property type?
How the Monte Alto, TX market breaks down across single-family homes, condos and townhouses. Redfin, through March 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $300,000 | $61/sq ft | 1 | 57 days |
Who lives in Monte Alto?
American Community Survey estimates for Monte Alto. U.S. Census ACS, 2023
Population
2,260
Households
595
Median income
$40,920/yr
Median age
25.6 years
Owner-occupied
93.1%
Median home value
$96,400
Median gross rent
$1,013/mo
Mean commute
16.6 min
93.1% of occupied homes in Monte 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.
Which public schools serve Monte Alto?
3 schools tracked · 820 students
The largest public schools serving Monte 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.
ROBERTO GARATE EL
Grades PK-5 · 359 students
MONTE ALTO H S
Grades 9-12 · 281 students
JOSE BORREGO MIDDLE
Grades 6-8 · 180 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 Monte Alto, TX?
Ordered by distance from Monte Alto, not by size. Compare Monte Alto side by side with any of them.
Monte Alto housing market FAQ
Is Monte Alto a buyer's or seller's market?
Monte Alto, TX is currently a balanced market. That read comes from 2.0 months of supply, homes going under contract in about 57 days, and sellers getting 85.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Monte Alto?
The median sale price in the last month Redfin published was $300,000, about $61 per square foot.
Is Monte Alto cheaper than the rest of Texas?
Monte Alto's median sale price of $300,000 is 16% lower than the Texas statewide median of $356,100, and 27% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Monte Alto?
Homes in Monte Alto, TX spent a median of 57 days on market before going under contract, versus 56 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Monte Alto?
At the current 30-year fixed rate of 7.03%, 20% down on a $300,000 home is about $1,602 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $68,638 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $40,920.
Are home prices rising in Monte Alto?
We do not hold a complete 12-month value series for Monte Alto, TX yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Monte Alto?
Monte 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 Monte Alto?
That depends on your timeline, not on a headline. What the data says today: Monte Alto, TX is a balanced market with 2.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
Be the brokerage on this page
1 slot per pageGet featured on Monte Alto, TX
Your logo, brokerage name, and direct link to your site — featured at the top of this page in front of every visitor researching this whole city. One brokerage, no rotation, no bidding war.
- Goes live in 24 hours
- Cancel anytime
- Do-follow backlink to your site
Keep researching Monte Alto
Nearby markets
Get the Monte Alto market brief
Get the Monte Alto, TX market brief
One email: what homes are actually clearing at around $300,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.