in Cumby, TX • 2026 Buying Guide
Best Month
January
$82K
Avoid
December
$182K
Potential Savings
$99K
54.7% difference
Market Type
Balanced
6.0 mo. supply
Even in a seller's market, condos require strategic timing. Focus on move-in ready presentation, as condo buyers often want turnkey living. Highlight low HOA fees, building amenities, and any recent assessments already paid.
Median Sale Price
$140K
N/A YoY
Days on Market
29
median days
Inventory
6
active listings
Sale-to-List Ratio
100.0%
room to negotiate
Jan
$82K
BestFeb
$154K
Mar
$149K
Apr
$125K
May
$127K
Jun
$109K
Jul
$133K
Aug
$147K
Sep
$162K
Oct
$141K
Nov
$110K
Dec
$182K
PeakBased on historical sales data in Cumby
Condos often have a counter-cyclical market. While families focus on single-family homes during spring and summer, condo inventory can peak in fall and winter. This means less competition and more negotiating power for condo buyers during traditionally "slow" seasons.
Pro Tip: With Cumby's median price at $140K, a 20% down payment would be approximately $28K. Get pre-approved early to know exactly what you can afford.
Based on our analysis of Cumby's housing market, January is typically the best time to buy a condo. During this month, prices average around $82K, which is 54.7% lower than peak prices in December. Condos often have a counter-cyclical market. While families focus on single-family homes during spring and summer, condo inventory can peak in fall and winter. This means less competition and more negotiating power for condo buyers during traditionally "slow" seasons.
The current median home price in Cumby is $140K. Condo prices vary based on location, size, and condition. Year-over-year, prices have changed N/A. Condos typically appreciate more slowly than single-family homes but offer lower entry costs and maintenance. Location within the building matters - higher floors and better views command premiums.
Cumby has a balanced market. This means you have reasonable options without extreme competition. Take time to find the right condo but be prepared to move when you find it.
Key considerations for buying a condo in Cumby include: Review at least 3 years of HOA meeting minutes for hidden issues; Check the reserve fund percentage (ideally 70%+ funded); Verify what insurance the HOA covers vs. what you need. Also watch for red flags like HOA with less than 50% reserves and Multiple units for sale in same building (could indicate problems).
Homes in Cumby currently spend an average of 29 days on market. This indicates a fast-moving market where you need to be prepared to act quickly.
Some condos may not be FHA or VA approved - check early Non-warrantable condos require conventional financing with higher down payments With Cumby's median price of $140K, you'll want to get pre-approved early to understand your budget.
Looking for the best time to buy a condo in Cumby? Our analysis shows that January typically offers the best prices, with homes averaging around $82K. Buying during this time could save you up to $99K compared to peak months like December.
With a median price of $140K and homes spending an average of 29 days on market, Cumby is currently a balanced market. There's currently 6.0 months of inventory available.
Condos typically appreciate more slowly than single-family homes but offer lower entry costs and maintenance. Location within the building matters - higher floors and better views command premiums.
Working with a local real estate agent who knows Cumby can help you understand neighborhood dynamics, identify the best opportunities, and negotiate effectively in this market.
Connect with local agents who specialize in condos.