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Austin is the state capital of Texas, an inland city bordering the Hill Country region. Home to the University of Texas flagship campus, Austin is known for its eclectic live-music scene centered around country, blues and rock. Its many parks and lakes are popular for hiking, biking, swimming and boating. South of the city, Formula One's Circuit of the Americas raceway has hosted the United States Grand Prix.
Residents of Austin are known as&nbsp;Austinites.&nbsp;They include a diverse mix of government employees, college students, musicians, high-tech workers, digital marketers, and&nbsp;blue-collar workers. The city's official slogan promotes Austin as "The Live Music Capital of the World", a reference to the city's many musicians and live music venues, as well as the long-running&nbsp;PBS&nbsp;TV concert series&nbsp;Austin City Limits.&nbsp;The city also adopted "Silicon Hills" as a nickname in the 1990s due to a rapid influx of technology and development companies. In recent years, some Austinites have adopted the unofficial slogan "Keep Austin Weird",&nbsp;which refers to the desire to protect small, unique, and local businesses from being overrun by large corporations.&nbsp;Since the late 19th century, Austin has also been known as the "City of the Violet Crown", because of the colorful glow of light across the hills just after sunset.
In 1987, Austin originated and remains the site for&nbsp;South by Southwest&nbsp;(stylized as SXSW and colloquially referred to as&nbsp;South By), an annual conglomeration of parallel&nbsp;film,&nbsp;interactive media, and&nbsp;music festivals&nbsp;and&nbsp;conferences that take place in mid-March. Emerging from a strong economic focus on government and education, since the 1990s, Austin has become a center for technology and business. A number of&nbsp;Fortune 500&nbsp;companies have headquarters or regional offices in Austin, including&nbsp;3M,&nbsp;Advanced Micro Devices (AMD).

Barton Creek is a census-designated place (CDP) in Travis County, Texas, United States. As of the 2010 census, the CDP population was 3,077. Barton Creek is ranked second in Texas based on per capita income. As of the census[1] of 2000, there were 1,589 people, 707 households, and 509 families residing in the CDP. The population density was 296.4 people per square mile (114.5/km2). There were 754 housing units at an average density of 140.6/sq mi (54.3/km2). The racial makeup of the CDP was 93.20% White, 2.39% African American, 0.19% Native American, 2.77% Asian, 0.06% Pacific Islander, 0.50% from other races, and 0.88% from two or more races. Hispanic or Latino of any race were 3.71% of the population. There were 707 households, out of which 22.1% had children under the age of 18 living with them, 67.6% were married couples living together, 3.5% had a female householder with no husband present, and 28.0% were non-families. 22.3% of all households were made up of individuals, and 1.1% had someone living alone who was 65 years of age or older. The average household size was 2.25 and the average family size was 2.63. In the CDP, the population was spread out, with 17.6% under the age of 18, 4.3% from 18 to 24, 29.5% from 25 to 44, 40.1% from 45 to 64, and 8.5% who were 65 years of age or older. The median age was 44 years. For every 100 females, there were 100.4 males. For every 100 females age 18 and over, there were 101.7 males. The median income for a household in the CDP was $158,623, and the median income for a family was $172,909. Males had a median income of $100,000 versus $44,716 for females. The per capita income for the CDP was $110,504. About 1.3% of families and 3.6% of the population were below the poverty line, including none of those under the age of eighteen or sixty-five or over.

Barton Creek

Bordering Lady Bird Lake, the Barton Hills area is a top destination for outdoor recreation. 350-acre Zilker Park features a spring-fed pool called Barton Springs, plus botanical gardens, a sculpture garden and athletic fields. It also plays host to the annual Austin City Limits Music Festival. The Barton Creek Greenbelt offers miles of rugged hiking and biking trails as well as seasonal swimming holes.
Barton Hills&nbsp;is a neighborhood in&nbsp;Austin,&nbsp;Texas. It is located in south Austin, and encompasses part of&nbsp;ZIP code 78704. Barton Hills is bounded by&nbsp;South Lamar&nbsp;and&nbsp;Zilker&nbsp;neighborhoods to the east, Barton Springs Road and&nbsp;Zilker Park&nbsp;to the north, Barton Creek and the&nbsp;Spyglass-Barton's Bluff&nbsp;neighborhood to the west and the&nbsp;Capital of Texas Highway to the south. Barton Hills is primarily residential, with the oldest homes dating back to the 1940s. Additionally, the area is home to several attractions including the Barton Creek Greenbelt nature preserve and the&nbsp;Umlauf Sculpture Garden and Museum. Just north of the neighborhood are&nbsp;Barton Springs Pool, a natural spring fed by Barton Creek, and the 351-acre Zilker Park.
According to data from the&nbsp;U.S. Census Bureau, the population of the area defined as Barton Hills was 7,993 in 2009, across an area of 3.199 square miles. The population density per square miles is 2,499, just below the citywide average of 2,610 people per square mile. The racial breakdown is 80% white, 12% Hispanic/Latino, 4% Asian/Pacific Island, 2% black and 2% other. Median household income in 2009 was $51,930, slightly above the median household income for the city at large. The average estimated value of detached houses in 2009 was $395,682, notably higher than the citywide average of $286,025.

Barton Hills

The city of Bee Cave is served by the Lake Travis Independent School District. Three elementary schools, Bee Cave Elementary School in Bee Cave, Lake Pointe Elementary School in an unincorporated area, and Lakeway Elementary School in Lakeway, serve Bee Cave and sections of Lakeway. Lake Travis Middle School and Bee Cave Middle School serve most of Bee Cave while Hudson Bend Middle School serves portions to the northwest; both schools are in unincorporated areas. Lake Travis High School, in an unincorporated area, serves all of Bee Cave. Lake Travis Middle School served the entirety of Bee Cave until 2019 when Bee Cave Middle School began operations. It is now served both schools. Eanes Independent School District and Westlake High School (Texas) are also in the area but do not serve Bee Cave.
As of the&nbsp;census&nbsp;of 2020, there were 9144 people and 4044 households in the city. The&nbsp;population density&nbsp;was 252.0 people per square mile (97.4/km2). There were 4044 housing units at an average density of 94.5 per square mile (36.5/km2). The racial makeup of the city was 69.6%&nbsp;White, 2.8%&nbsp;Black, 0.2%&nbsp;Native American, 13.1%&nbsp;Asian, 3.4% from&nbsp;other races, and 10.9% from two or more races.&nbsp;Hispanic&nbsp;or&nbsp;Latino&nbsp;of any race were 12.8% of the population.
There were 207 households, out of which 50.2% had children under the age of 18 living with them, 79.7% were&nbsp;married couples living together, 2.4% had a female householder with no husband present, and 16.9% were non-families. 9.7% of all households were made up of individuals, and 2.4% had someone living alone who was 65 years of age or older. The average household size was 3.17 and the average family size was 3.38. In the city, the population was spread out, with 33.1% under the age of 18, 3.8% from 18 to 24, 34.8% from 25 to 44, 23.2% from 45 to 64, and 5.2% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 108.9 males. For every 100 females age 18 and over, there were 104.2 males.
In 2015 the median income for a household in the city was $129,270, and the median house value was $597,091. Males had a median income of $100,000 versus $59,000 for females. The&nbsp;per capita income&nbsp;for the city was $53,911. None of the families and 2.7% of the population were living below the&nbsp;poverty line, including no under eighteens and none of those over 74.

Bee Cave

Cedar Park is a major suburb of Austin in the state of Texas, the center of Austin is approximately 16 miles to the southeast of Cedar Park. According to the U.S. Census, the city's estimated population as of July 2017 was 75,226

Cedar Park

Clarksville was established by James Clark, who moved to the area in 1833 and laid out a town site. When Red River County was organized in 1835, Clarksville was chosen as the county seat, beating out the community of La Grange (later named Madras). Isaac Smathers built one of the first houses, which was later owned by Charles DeMorse. The town was incorporated by an act of the Texas Congress in 1837, and within a few years it became an educational and agricultural center. In 1841, John W.P. McKenzie, a Methodist minister, retired from serving as a missionary and moved to a former plantation about 3 miles (4.8 km) SSW of Clarksville. Naming his new home Itinerant's Retreat, he soon began offering classes for boys who lived in the surrounding area. During that same year, 16 boys enrolled in classes in his home. There was more demand than he could accommodate in his home, so he had a log cabin to the plantation to serve as a more conventional school. As the enrollment grew, he added 3 large wooden buildings to serve as dormitories and opened the school to girls and boarding students.[b] By 1854, McKenzie College had 300 students and 9 faculty members participating in a 10-month school year. Before the American Civil War began, Rev. McKenzie's school was the largest institution of higher education in Texas during the 1850s, and trained almost all of the new Methodist ministers in the state. Although the school was always considered a Methodist institution, it actually continued to be owned by McKenzie. He tried to turn it over to the local Methodist Conference in 1855 and 1860, but each time the Conference declined to accept certain unspecified conditions, so the official transfer never occurred. By the fall of 1861, most of the male students had already enlisted in the Confederate Army. In 1863, the school had only 33 students. The average number rose to 74 during the years 1864&ndash;67. Unable to obtain sufficient financing to continue, Rev. McKenzie closed the school permanently on June 25, 1868. In 1844, Clarksville Female Academy opened, after moving from Pine Creek, where it was originally founded in 1840. A Clarksville post office opened in 1846, and by 1838 there was semiweekly mail service between Clarksville and Natchitoches, Louisiana. A frame courthouse was built in 1840, and replaced with a brick structure on the main square in 1850. A brick jail was built nearby in 1852. The First Presbyterian Church was organized in Shiloh, Gregg County, Texas in 1838, but relocated to Clarksville in 1844. The Texas State Historical Society says this is "...among the oldest continually operating Protestant churches in the state." The Texas State Historical Society also reports that Clarksville was the most important commercial center in this part of Texas from the late 1830s until the Civil War. Once the Red River proved navigable by steamboats, goods could be shipped directly from New Orleans to Rowland's Landing, 15 miles (24 km) north of Clarksville, then hauled overland by wagon. By the time the war broke out, the city had a population of about 900. Economic recovery from the Civil War was stimulated when the Texas and Pacific Railway reached Clarksville in 1872, bringing new settlers and new businesses. The 1870 census showed a population of 613.[c] By 1885, the population had grown to about 1,200. The city could then boast of a new limestone courthouse, five white and two black churches, a Catholic convent, three schools, two banks, two flour mills, and a weekly newspaper, the Clarksville Times. In 1914, the city had 3,000 residents and had added a waterworks, two newspapers, an ice plant, and an electric power plant. After that, outside events such as two world wars, the Great Depression, and increased competition from other cities (e.g., Dallas, Paris, Bonham, and Texarkana) had begun to slow Clarksville's growth.[5] As shown by the census table, the population in 2000 was very near to that in 1920.

Clarksville

With a rich sense of history and a thriving entertainment scene, Downtown is Austin’s beating heart. Late-19th-century architectural landmarks, including the iconic Texas State Capitol (1888) and the Driskill Hotel (1886), mix with modern museums. Music lovers flock to celebrated venues like Austin City Limits Live at The Moody Theater and Stubbs BBQ, while revelers hit the high-energy bars along East 6th Street.

Evolving East Austin is a diverse area. Early 1900s bungalows give way to modern condos, while cool cocktail bars mingle with Southern-style eateries, including iconic Franklin Barbecue. In a circa-1841 building, the French Legation Museum documents the Republic of Texas era. Other museums examine the city&rsquo;s musical history and African-American experience. East Cesar Chavez draws hipsters for drinks, art and bands.&nbsp;

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Written By Parimal M. Rohit
 CoStar News
 January 5, 2023 | 4:49 P.M.
 Curated By: Tony Lazarov 
 More housing is in the works for the area surrounding Q2 Stadium in North Austin, Texas.
 Austin-based Cypress Real Estate Advisors is planning to build a five-story multifamily project at 10109 McKalla Place, according to a state permit. The site at 10109 McKalla Place is currently home to an industrial building that was built in 1980.&nbsp;
 Cypress Real Estate's proposed 274-unit development, called McKalla Place, has a budget of at least $60 million, according to the filing. Construction is set to start in June and continue through August 2025.
 The property is next to Q2 Stadium, where Austin’s Major League Soccer franchise, Austin FC, plays its home games.
 Cypress Real Estate's website lists a loan for an "Austin Stadium District" project next to Q2 Stadium. The bridge loan, secured by first and second liens on 2.9 acres, is for $8.5 million.&nbsp;
 Cypress Real Estate has several other multifamily developments in the Austin area, including the 230-unit Lakeshore Pearl, the 256-unit Corazon, a 322-unit property called The Guthrie and a 328-unit building known as The Copeland, which is also a stone's throw from the Q2 stadium. The real estate developer also has properties in Denver; Raleigh, North Carolina, and Jupiter, Florida. 
 The site at 10109 McKalla Place is located within one mile of The Domain, a high-density, mixed-use development often referred to as Austin's second downtown. Several major employers such as Amazon, Google and Indeed have office space at The Domain.&nbsp; 
 The Domain is also home to several multifamily developments, restaurants, boutique shops and big-box retailers. Multifamily properties at The Domain include Flatiron, The Kenzie and Griffis.
 Cypress Real Estate is not the only developer to take an active interest in the area immediately surrounding the soccer arena. The fast-growing apartment arm of national homebuilder Toll Brothers has plans to build a 27-story residential tower across the street from Q2 Stadium.
 And Los Angeles-based Karlin Real Estate announced plans in 2021 to build a mixed-use development with hospitality, office and residential uses next to Q2 Stadium. The project, known as Verde Square, could bring 280 apartment units and 386,000 square feet of office space to North Austin.

Developer Plans 274-Unit Apartment Complex Near Austin's New Soccer Stadium

Written By: Jonathan LeeTuesday, January 10, 2013Curated by: Tony Lazarov &nbsp;The proposed zoning change would allow buildings in and around the Domain to rise as high as many downtown towers, solidifying the area’s status as Austin’s unofficial second downtown.The zoning change, initiated in September by the Planning Commission, would increase the allowable height in the North Burnet Gateway Regulating Plan’s Transit-Oriented Development zoning to nearly 500 feet, or around 40 to 50 stories. The floor area ratio, a measure of density, would also increase. Exactly how tall buildings should be is still up for debate. City staffers, for their part, recommend the following:<ul><li>For the TOD-Gateway Zone, increase the maximum building height from 360 feet to 491 feet and the maximum FAR from 8:1 to 12:1.</li><li>For the TOD-Midway Zone, increase the maximum building height from 240 feet to 327 feet and increase the maximum FAR from 5:1 to 7.5:1. </li></ul> But the Planning Commission may recommend allowing taller buildings in the TOD-Midway Zone when it meets on Tuesday. At least that’s if it follows the recommendation of the Codes and Ordinances Joint Committee, which voted unanimously last month to recommend 491-foot height limits and 12:1 FAR in both types of TOD zones.<a href="https://www.austinmonitor.com/?attachment_id=133712" target="_blank" rel="attachment noopener wp-att-133712">This document</a>&nbsp;shows where exactly these increases would apply. Staffers came up with their numbers by matching the height and FAR increases in TOD zones to&nbsp;<a href="https://www.austinmonitor.com/stories/2022/11/buildings-over-400-feet-tall-now-allowed-around-q2-stadium/" target="_blank" rel="noopener">recently approved changes</a>&nbsp;to the Commercial Mixed-Use (CMU) Gateway Zone that increased height and FAR by 36 and 50 percent, respectively.Developers can only build to the increased height if they provide public benefits in exchange. Staffers acknowledged this density bonus has not been calibrated to market conditions. If the requirements prove too onerous for developers, they are unlikely to build to the maximum allowable height.&nbsp; Commissioner Awais Azhar explained the rationale for the increasing TOD entitlements at a Planning Commission meeting in September: “TOD, which is supposed to be the highest intensity, would actually be lower in intensity to CMU …. (This zoning change) allows us to fix that issue with TOD so that we’re matching entitlements and doing good planning,” he said.&nbsp;Adding height and density aligns with the North Burnet Gateway Regulating Plan’s goal of creating a transit-oriented district. The area is well served by transit by Austin standards, with service on the 803 MetroRapid bus and Red Line commuter rail. Rail service will improve in the area within the next couple of years, with two Red Line stations under construction. McKalla Station, next to Austin FC’s Q2 Stadium, is scheduled for completion in fall 2023, and Broadmoor Station, next to the 66-acre Uptown ATX development, is scheduled for completion in early 2024. Once both stations are finished, the existing Kramer Station will be decommissioned.Other regulatory changes could be in store in the near future. City staffers are working on a comprehensive update to the North Burnet Gateway Regulating Plan, which should come before City Council early this year.&nbsp; Photo by&nbsp;<a href="https://commons.wikimedia.org/wiki/File:Domain_phase_2.jpg" target="_blank" rel="noopener">Larry D. Moore</a>,&nbsp;<a href="https://creativecommons.org/licenses/by/4.0" target="_blank" rel="noopener">CC BY 4.0</a>, via Wikimedia Commons. The&nbsp;Austin Monitor’s work is made possible by donations from the community. Though our reporting covers donors from time to time, we are careful to keep business and editorial efforts separate while maintaining transparency. A complete list of donors is available&nbsp;<a href="http://www.austinmonitor.com/who-funds-us/" target="_blank" rel="noopener noreferrer">here</a>, and our code of ethics is explained&nbsp;<a href="http://www.austinmonitor.com/about-us/" target="_blank" rel="noopener noreferrer">here</a>.

 Zoning change to allow taller towers in the Domain

Is now a good time to buy a house?It’s an evergreen question — always relevant — and it’s a highly personal question. Only you can answer whether or not it makes sense for you to buy a home at any given time.That said, the realities of unpredictable interest rates and the ever changing housing market will play a role in your decision. And, right now, those indicators are blinking red.As of December 2022, consumer confidence is quite low according to Fannie Mae’s&nbsp;<a href="https://www.fanniemae.com/research-and-insights/surveys-indices/national-housing-survey/national-housing-survey-archive">Home Purchase Sentiment Index</a>. Only 16% of consumers believe it’s currently a good time to buy a house. So who’s right? <h2 style="text-align: start">Is Now a Good Time to Buy a House?</h2>As we approach 2023, the dramatic increase in housing prices we were seeing in 2021 has stalled. In fact,&nbsp;<a href="https://www.nar.realtor/blogs/economists-outlook/existing-home-sales-fell-for-the-ninth-straight-month-and-decline-5-9-in-october-2022">home prices have decreased</a>&nbsp;for nine consecutive months, according to the National Association of Realtors. Not only that, but some experts believe the steady leak may become a stream and a&nbsp;<a href="https://www.axios.com/2022/11/28/home-prices-real-estate-housing">collapse in prices</a>&nbsp;is coming.On top of that, fixed 30-year mortgage interest rates are&nbsp;<a href="https://www.freddiemac.com/pmms">hovering around 6.5%</a>&nbsp;— as high as they’ve been in 20 years — though they did slightly decrease in November 2022.When asked about the outlook for mortgage rates in 2023, eight industry insiders told&nbsp;<a href="https://themortgagereports.com/96186/2023-mortgage-rate-predictions">Mortgage Reports</a>&nbsp;they expected interest rates to run anywhere from 5% to 9% next year — quite a range that doesn’t necessarily make a future homebuyer brim with excitement.Inflation could continue to push rates up, while a looming recession would likely cause them to drop. Ongoing inflation, Federal Reserve policies and impending recession fears make the near future of interest rates difficult to predict.That said, if you’re set on buying a home soon, you have options. You just need to be prepared to take on that financial burden.<h2 style="text-align: start"> </h2><h2 style="text-align: start">4 Questions to Consider Before You Buy a House</h2>Ultimately, whether or not you should&nbsp;<a href="https://www.thepennyhoarder.com/home-buying/how-to-buy-a-house/">buy a home</a>&nbsp;right now depends largely on how ready you are and your financial situation more so than market conditions.Before buying a home — the single largest purchase most people will make — you need to have a solid financial plan in place. Here are some things to consider before making that purchase.<h3 style="text-align: start"> </h3><h3 style="text-align: start">1. How Long Do You Expect to Stay in This Home?</h3>The future isn’t always predictable —&nbsp;life happens after all — but you should have an idea of any major decisions that are in your near future.Do you expect to get married? Do you plan on having kids in the next five to 10 years? How permanent is your current job situation? Do you want to be in that location long term?If any of those situations are in flux, you might want to pause&nbsp;<a href="https://www.thepennyhoarder.com/home-buying/home-buying-numbers-to-know/">buying a home</a>&nbsp;right now. That two-bedroom condo might get a little tight once you start having kids. Or the house you thought was a dream could become a financial weight around your neck when your company asks you to transfer to another city.The best time to buy a house is when your life is fairly stable, both personally and professionally. That doesn’t mean you need to have everything perfectly set. But you should carefully consider the pros of buying the home versus the cons of possibly moving in the short term — and figuring out what to do with your house — because of life changes.<h3 style="text-align: start"> </h3><h3 style="text-align: start">2. How Much of a Down Payment Can You Make?</h3>Traditional wisdom has always said to make a 20%&nbsp;<a href="https://www.thepennyhoarder.com/home-buying/down-payment/">down payment</a>&nbsp;in order to avoid&nbsp;<a href="https://www.thepennyhoarder.com/insurance/what-is-mortgage-insurance/">private mortgage insurance</a>. PMI covers the lender in case you stop making payments.The&nbsp;<a href="https://cdn.nar.realtor/sites/default/files/documents/ehs-10-2022-overview-2022-11-18.pdf">current median sales price</a>&nbsp;for a home in the U.S. is $379,100. That means to avoid PMI, a buyer would need to make a $75,820 down payment. For most buyers, that will require planning and some aggressive savings before making the purchase.The more you put down, the less your mortgage will be —&nbsp;meaning lower monthly payments. So you would borrow $303,280 instead of a higher amount. Most lenders require a minimum down payment of around 3% to 5%, so you have that option if your budget allows for larger monthly payments (more on that later).<a href="https://www.thepennyhoarder.com/home-buying/tips-for-buying-a-home/">First-time home buyers</a>&nbsp;typically have more options — with lower down payments and credit score minimums. These include:<ul><li><a href="https://www.thepennyhoarder.com/home-buying/how-to-get-an-fha-loan/">FHA Loans:</a>&nbsp;If you qualify, you might consider an FHA loan, insured by the Federal Housing Administration. These loans require just 3.5% down and credit score minimum of 580. Or if you’re able to put 10% down, you’ll only need a 500 credit score.</li><li><a href="https://www.thepennyhoarder.com/home-buying/va-loan/">VA Loans:</a>&nbsp;Veterans Affairs’ loans are an option for qualified military members and veterans. They don’t require a down payment and usually come with lower interest rates. They might require a funding fee that can be rolled into the overall mortgage.</li><li><a href="https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp">USDA Loans:</a>&nbsp;If you’re looking to live in a rural area, you may qualify for a loan from the U.S. Department of Agriculture. These loans require no down payment. You’ll need to live in a qualifying area though.</li></ul>Remember, the more you can manage to put down on the front end, the less debt you’ll carry over the course of your mortgage.<h3 style="text-align: start"> </h3><h3 style="text-align: start">3. What About Your Credit Score?</h3>Make sure you know your&nbsp;<a href="https://www.thepennyhoarder.com/credit/credit-scores/what-is-a-credit-score/">credit score</a>&nbsp;well before you begin the process of buying a home. That one little number will greatly affect your loan options when it comes time to sign the mortgage.The standard magic number required for conventional loans is 620. Anything between 670-739 is considered “good.” Between 740-799 is considered “very good.” And anything above 800 means you have “excellent” credit. The better your credit score, the better your loan options and interest rates will be.Non-conventional loans will require higher credit scores. One example is a jumbo loan, which typically requires a credit score of around 700. There are ways to buy a house with a&nbsp;<a href="https://www.thepennyhoarder.com/home-buying/how-to-buy-a-house-with-bad-credit/">lower credit score</a>&nbsp;though.If you’re looking at buying a home in the near future, it’s incredibly important to make sure you understand where your credit score is and how you can improve it over time.There are plenty of ways you can actively work on&nbsp;<a href="https://www.thepennyhoarder.com/credit/build-good-credit/">improving your credit score</a>&nbsp;— everything from making on time payments, applying for credit selectively and even asking for a credit limit increase but not using it.<h3 style="text-align: start"> </h3><h3 style="text-align: start">4. Is Your Budget Ready?</h3>The median mortgage payment is $1,100, according to&nbsp;<a href="https://www.rocketmortgage.com/learn/average-mortgage-payment">American Housing Survey data</a>. That number can vary, of course, based on where you live, how long your mortgage is, your down payment and interest rate.But if only that was all you were expected to pay. It’s easy to forget all the other fees that get tacked on to mortgage payments. You’ve got taxes, insurance and maybe&nbsp;<a href="https://www.thepennyhoarder.com/home-buying/hoa-restrictions/">HOA fees</a>&nbsp;and mortgage insurance — and then there’s all the ongoing maintenance and other monthly expenses that come with owning a home.<h4 style="text-align: start"> </h4><h4 style="text-align: start">How to See If You Can Afford a House</h4>Let’s use an example. We’ll say you live in Nashville, Tennessee — a prospering real estate market, but not out of control. As of now, the&nbsp;<a href="https://www.redfin.com/city/13415/TN/Nashville/housing-market">average cost of a home in Nashville&nbsp;</a>is $461,000.We’ll also say you live in a homeowner’s association — and, fortunately enough for you, Tennessee has the fifth lowest HOA with a median of $150 per month.We’ll assume you have good credit and can get the average interest rate right now at 6.5%.And we’ll finally assume you can manage a 10% down payment on a 30-year mortgage.Last, that credit score is also good enough to get a decent PMI rate of about 0.99%.

Is Now a Good Time to Buy a House — or Should You Wait?

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<h2>Today's Market Activity</h2>Stay updated on what's happening in the market today.

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Great services, great people! Very knowledgeable and helpful 

Great services

We are students from Germany, we found about REspace through friends who are already clients and we couldn't be more happy with our realtor, we found the perfect housing for our needs, the people were kindly, the service was great and our realtor was very patient because our english is not the best

The service was great 

We needed to find a nice and affordable place near the UT campus for our daughter, who was moving from her on-campus dorm for a 2-BR / 2-BA apartment.  The REspace team found a nice place just northwest of campus, which ended up being a great fit for our daughter and her three roommates.  I highly recommend the REspace team to help figure out housing near campus, as there are many options.

which ended up being a great fit for our daughter

Great service

I’ve had the pleasure of working with Courtney Harden, she was very nice and so helpful, I know she has a super busy schedule but she’s always responded back to me in a timely manner... she was amazing to work with and when I do decide to move again I will be contacting her.

she was amazing to work

These folks were really pleasant to work with. Even though I found a different apartment with a different company. Laura C. and the others worked hard and were gracious the whole time. You should definitely give them a try if you need to find a place in a hurry.

These folks were really pleasant

The most knowledgeable company and agents in the central Austin real estate market, the student leasing market and investment sales in the UT campus area.

The most knowledgeable company

Tony Lazarov over at REspace is definitely one of the best real estate brokers in Austin.  He has a great eye for properties and somehow manages to see hidden potential and find gems that other brokers have overlooked.  Most importantly, he is responsive and really works hard!  When other brokers sit around waiting for deals to happen, Tony takes the initiative and makes them happen.  I cannot count how many "multiple offer" situations I have been in where I got the property because Tony just out hustled the other agents and convinced the seller to sell to me.

He is responsive

Great company for international students looking for housing near campus. Company broker also speaks Russian!

Great company

REspace delivered quick and friendly service! Will was an amazing help to my boyfriend and me. He helped us find a great deal on a duplex in Hyde Park and I would highly recommend contacting Tony or Will when looking for a rental property in the Austin area.

REspace delivered quick and friendly service

Sandi helped me find my first apartment near UT campus.  I was new to leasing and not sure where to start but Sandi knows the market around campus very well and was able to find a great place that fit all my needs and my budget.  She explained the entire process in a way that made sense, and was responsive and pleasant throughout.  I will definitely use her and REspace again and will refer them to my friends & family.

Sandi helped me

Tony was the best agent in helping me find a rental for my needs as I look to buy long term.

Aggressive and responsive, the best in town!

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Company was helpful when our girls needed an apartment near UT. Appreciated their expertise navigating this.

Company was helpful 

We needed a place close to campus for our daughter to live after moving out of her dorm.  REspace found a great apartment for her, as well as her 3 roommates, making the process much easier on us.  We really appreciate the effort made to find a nice location within our budget, as well as their responsiveness to our questions and needs.

We really appreciate the effort

I am moving out to the Austin area for the first time and have had the pleasure of working with Sandi from ReSpace to find our perfect home! She made a situation that had been very stressful, almost seamless! I would definitely recommend this company to anyone looking for a place to live in the area as the company makes the process easy and as if you're working with a friend.

 I would definitely recommend this company 

We worked with Will McEntire and he was great! He kept in close contact with us and sent us good options as soon as they became available. He followed up and checked in over the course of several months. He was professional and super knowledgeable about the area. If you need to find off campus housing contact Will.

He was professional and super knowledgeable about the area

Great company that cares about your needs and finds the right fit for you.

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