← Markets
Market Report · May 2026

ZIP 78613 — Cedar Park

📍 Austin Metro · Texas
60
🔵 COOLING
Buyer has leverage · 41 avg days on market
Property tax ~1.81%/yr
$450K
Median Price
41
Days on Market
$3,188
Est. Monthly PITI

Mortgage Breakdown — 78613

Median Home Price$450,000
20% Down Payment$90,000
Loan Amount$360,000
P&I at 6.7%$2,323/mo
Property Tax Est.$678/mo
Total PITI$3,188/mo
Income Needed (36% DTI)$106,266/yr
🔔 Set Alert for 78613 The Denial Map → 📊 All Markets Denial code lookup

Educational purposes only. Market data estimated from public sources. Not financial advice.

🎲
World First
The Geographic Lottery — What If Your Parents Bought Here?
🏢
New
Employer Affordability Map — Where Can You Live on Your Salary?
💰
Calculator
Can I Afford a House on My Salary? — 20 US Cities
The other half of the answer

Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.

15.5%
of FHA applications denied in Austin-Round Rock, TX, 2025 · national 22.1%
CMG MORTGAGE INC
3.4%
VELOCIO MORTGAGE, L.L.C.
5.3%
DHI Mortgage Company, LTD.
17.8%
United Wholesale Mortgage
18.3%
Lennar Mortgage, LLC
26.4%

A 23.0-point spread between the busiest FHA lenders in this metro.

This market's lenders → Which lenders approve most → Apply to more than one? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
Get the Dispatch →
AI Accuracy Index The Door Effect The Denial Map Open Data About 184 Metro Gaps Evidence Navigator Hallucination Files Press Newsletter
FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.