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Real Estate
Tools & Calculators

Data-backed tools built for Central Texas buyers, sellers, and investors. Calculate payments, read the market, and make confident decisions.

Financial Calculators

Estimate payments and plan your purchase

Affordability Guide

A common rule of thumb: spend no more than 28% of your gross monthly income on housing costs including mortgage, taxes, and insurance.

$80K / yr income ~$280K–$320K
$120K / yr income ~$420K–$480K
$180K / yr income ~$630K–$720K
$250K / yr income ~$875K–$1M
Estimates assume 20% down, 6.85% rate, 30-yr fixed. Actual affordability depends on DTI, credit score, and local taxes.
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Market Intelligence

Weather-style market conditions for every Central Texas community

Coming Soon

Rental Yield Calculator

Model cap rate, cash-on-cash return, and gross yield for Central Texas investment properties.

Q3 2026

Price Appreciation Forecast

10-year home value projections by suburb — powered by historical ABOR MLS data and trend modeling.

Q3 2026

Land Value Estimator

Estimate raw land value by parcel size, zoning, and proximity to growth corridors in Central Texas.

Q4 2026

Buy vs. Rent Analyzer

Compare the true cost of buying vs. renting in each Central Texas suburb over 1, 5, and 10 years.

Q4 2026

Want a Custom Analysis?

Sam and the SpecTower team run deal-specific underwriting for buyers, sellers, and investors — comps, market timing, and land valuation included.

Talk to Sam →
Local Experts
Deep roots. Proven results.
Data-Driven Insights
Smart moves. Stronger outcomes.
Boutique Service
Personalized from start to close.
Trusted Advisors
Integrity you can count on.
Local Experts
Deep roots. Proven results.
Data-Driven Insights
Smart moves. Stronger outcomes.
Boutique Service
Personalized from start to close.
Trusted Advisors
Integrity you can count on.