Are Waxahachie, TX Home Prices Going Up in 2026?
Last updated: October 24, 2026
Are Waxahachie, TX Home Prices Going Up in 2026?
By Steven J. Thomas, Broker, Refind Realty DFW · Loan Officer, Envision Home Lending LLC, NMLS #689220. Baylor financial planning degree, 20+ years in financial services.
Slightly. Waxahachie's median sold price rose 2.0%, from $367,500 to $374,995, between September 2025 and September 2026 (NTREIS). The payment rose much more. At today's rate, principal and interest on the median home runs about $262 a month higher than a year ago. Based on current conditions.
A 2% price gain sounds small. The loan tells a different story, because the rate moved 113 basis points in twelve months. This post shows the payment math and where a Waxahachie buyer still has room to negotiate.
How much did Waxahachie home prices change?
The median sold price for a Waxahachie single-family home was $374,995 in September 2026, up $7,495 from $367,500 in September 2025 (NTREIS). Waxahachie is the highest-volume town in this corridor, with 72 sales in the month (the board's projected count), so its median moves less than a small town's does.
| Waxahachie, single family | Sep 2026 | Sep 2025 |
|---|---|---|
| Median sold price | $374,995 | $367,500 |
| Median days on market | 64 | 95 |
| Months of supply | 4.1 | 5.6 |
| Active listings | 297 | not compared |
| Pending sales | 52 | not compared |
| Sold-to-list ratio | 94.8% | not compared |
Source: NTREIS Monthly MLS Summary Report, September 2026.
What does that price do to the monthly payment?
With 20% down, last year's $367,500 median meant a $294,000 loan. At the 6.19% rate from a year ago, principal and interest was about $1,799 a month. Today's $374,995 median means a $299,996 loan. At the 7.32% Freddie Mac average on October 22, 2026, it is about $2,061.
| Loan, 30-year fixed, 20% down | Rate | P&I per month | APR |
|---|---|---|---|
| $294,000 (Sep 2025 median) | 6.19% | $1,799 | 6.26% |
| $299,996 (Sep 2026 median) | 7.32% | $2,061 | 7.40% |
| $299,996 at the old rate | 6.19% | $1,835 | 6.26% |
The price gain adds about $36 a month. The rate adds about $226 on the same $299,996 loan. APR assumes $1,495 in lender fees, no points, 15 days of prepaid interest and no mortgage insurance. Principal and interest only, before taxes and insurance. Rates shown are Freddie Mac weekly averages, not quoted rates. Rate source: Freddie Mac Primary Mortgage Market Survey, October 22, 2026. Envision Home Lending LLC, NMLS #2619789.
Is Waxahachie a buyer's market?
Waxahachie had 4.1 months of supply in September 2026, which is balanced, down from 5.6 a year earlier (NTREIS). The median home took 64 days to sell, 31 days faster than last September. Ellis County as a whole ran a $422,450 median, up 5%, at 76 days on market (NTREIS). Waxahachie is firmer than it was a year ago and still gives you time to compare homes.
How much can a Waxahachie buyer negotiate?
Waxahachie homes closed at 94.8% of list in September 2026 (NTREIS). On the $374,995 median, that works out to a list price near $395,600 and a sale about $20,600 under ask. That is arithmetic on a median, not a promise on any house. Homes that have sat past 60 days give you the most room, and a seller credit toward a rate buydown can lower your payment more than a small price cut.
I laid out how much room buyers had in Mansfield last week, and the same ratio math applies here. If you are weighing a builder, read what Waxahachie builders offer in 2026. Before you write an offer on any home near a creek, check the flood map first. If Midlothian and Mansfield are also on your list, the three-town comparison covers taxes, schools and commute.
Know your payment before you tour. Get pre-approved in minutes and see what a Waxahachie home costs you per month at today's rate.
FAQ: buying in Waxahachie
Should I wait for Waxahachie prices to fall?
Nobody can promise they will. The median rose 2.0% in a year, and the payment rose 14.6% because of the rate. Waiting only helps if prices fall faster than the rate climbs.
Is now a good time to buy in Waxahachie?
That depends on your budget, not the calendar. Homes take 31 fewer days to sell than a year ago, but you can still negotiate, and the rate is 113 basis points higher. Know your full payment with taxes and insurance before you decide.
How many homes are for sale in Waxahachie?
There were 297 active single-family listings and 52 pending sales in September 2026 (NTREIS).
How long do Waxahachie homes take to sell?
The median was 64 days on market in September 2026, down from 95 a year earlier (NTREIS).
Do Waxahachie buyers pay less than the list price?
On average, yes. Homes closed at 94.8% of list in September 2026 (NTREIS). Individual homes vary, so a price comparison for the specific house is worth the hour.
Data sources: NTREIS Monthly MLS Summary Report, September 2026; Freddie Mac Primary Mortgage Market Survey, October 22, 2026.
Steven J. Thomas · Broker, Refind Realty DFW · TREC Broker License #0657467 · Loan Officer, Envision Home Lending LLC · NMLS #689220 · Company NMLS #2619789. Call or text 972-846-9170. Equal Housing Opportunity. Information About Brokerage Services and the Consumer Protection Notice are available at trec.texas.gov. Market data reflects current conditions and is not a guarantee of price or timeline.
