What $500K, $750K and $1 Million Buys You in Georgetown

If you're thinking about moving to Georgetown, a price is usually where the search starts. So I'll show you what $500,000, $750,000 and $1 million look like here right now.

Honestly, the number's only half of it. The other half is how you want to live, and that's the part I care about most.

Where should you start before you look at a single house?

With a lender. My answer is always the same. The first step is talking with a lender and getting pre-approved.

It helps you understand your budget. It lets us shop with a price and with confidence.

Once we know what you're comfortable spending and what you can afford, then we get to do the fun part. That's finding the house, and I'll take the stress out of it.

Rates matter a lot at these prices, so I'd look at them with you early. As of October 15, 2026, Freddie Mac put the average 30-year fixed rate at 7.40%. A year earlier it was 6.27%.

Here's what I'd expect for principal and interest with 20% down, as of October 2026. It's about $2,770 a month on $500,000, $4,154 on $750,000, and $5,539 on $1 million.

That's before property taxes, insurance, and any HOA or MUD. In Georgetown those can add a lot, so I'd always run the full number for the exact address.

What does Georgetown look like at each price?

Here's how the three budgets compared, using every single-family home listed in Georgetown within about 10% of each price.

Active single-family MLS listings in Georgetown, TX, asking prices within about 10% of each figure, as of October 2026. Sources are listed at the end.

You'll notice the bedrooms don't change much. The median was four at every price.

What changes is the size of the rooms, the land, and where the house sits. That's what I'd want you to compare.

What does $500,000 buy you in Georgetown?

More than you'd think. It's close to the middle of the market here, and I love how much choice there is at this price.

As of October 2026, the median asking price for a Georgetown single-family home was about $464,610. Redfin put the median sale price at about $404,807 in September 2026, down 3.2% from a year earlier.

Around $500,000, the typical listing was about 2,500 square feet with four bedrooms and three baths. The lot was about 7,700 square feet, so you're looking at a city-sized yard.

Almost half of them were new construction, 153 of 317 as of October 2026. If you love a brand-new kitchen and community amenities, I think this is a great price to shop.

You'll see this price all over town, and that's what I like about it.

As of October 2026, listings around $500,000 included homes in Wolf Ranch, Berry Creek Highlands, Parkside on the River, Rancho Sienna, Highland Village and Georgetown Village.

And if you're 55 or older, Sun City had plenty of homes around this price too. It's one of the most sought-after active adult communities in the country.

My advice at this price is to decide what you won't give up. Is it a newer home? A shorter drive? A bigger yard?

That answer's going to narrow it down faster than I can.

What does $750,000 buy you in Georgetown?

This is where I think you start getting room. More house, and often more land.

As of October 2026, the typical Georgetown listing around $750,000 was about 3,075 square feet with four bedrooms and four baths. The median lot was about 13,800 square feet, close to a third of an acre.

Land shows up here too, which I love. Of the 185 homes listed near this price, 41 sat on an acre or more as of October 2026.

Do you want a pool and a big backyard? Do you need a guest room that's actually separate? Is there room for a casita, a boat or an RV?

Those are the questions I'd ask you first, and I'd write your answers down. At this price, they start having good answers.

As of October 2026, listings around $750,000 included homes in Wolf Ranch West, Nolina, Crescent Bluff, Parkside on the River, Berry Creek, Gabriel's Overlook and the Oakcrest Ranchettes.

I'd put Berry Creek on your list if you love mature trees, older established neighborhoods and larger lots. It's obviously golf course living.

Again, it depends on you. If you'd like something brand new, I'd show you plenty. As of October 2026, about half the homes at this price were new construction, 94 of 185.

What does $1 million buy you in Georgetown?

This is where it gets fun for me. A million dollars opens up acreage, the historic streets near the square, and Georgetown's luxury neighborhoods.

As of October 2026, the typical listing around $1 million was about 3,560 square feet on a full acre. Twenty of the 50 homes listed near this price sat on an acre or more.

If luxury is what you're after, Cimarron Hills is hard to beat. It's one of my favorites. In 2025, it launched its final phase with about 200 custom estate lots.

Then there's Old Town, and I love it. As of October 2026, several listings around $1 million were in the historic additions near the downtown square, on streets like Main, Church and Austin Avenue.

I might be a little biased, because I love Georgetown. But I think being able to walk to the most beautiful downtown square is hard to put a price on.

I'd also show you the Reserve at Berry Creek, Woodland Park, Fountainwood, Scofield Farms and Riverstone at this price, as of October 2026.

Above $1 million, I'd tell you the choices get thinner. As of October 2026, there were 82 single-family homes listed in Georgetown at $1 million or more, out of 1,631.

That's why I'd want to know early what matters most to you. With fewer homes to choose from, it helps to move when the right one comes up.

If land's what you want most, my guide to acreage homes in Georgetown goes into where the bigger tracts are.

Why does the same neighborhood show up at every price?

Because in Georgetown's newer communities, the lot often sets the price more than the address does. It's one of my favorite things to explain.

Parkside on the River's the example I'd use. As of October 2026, it had listings at all three prices.

The homes around $500,000 were on 45-foot lots. Around $750,000, they were on 50- and 60-foot lots. Around $1 million, they were on 60-, 70- and 80-foot lots.

Wolf Ranch works the same way. It's a newer master-planned community with great amenities, and it's very popular right now.

As of October 2026, Wolf Ranch had listings at all three prices too, with 70-foot lots in its West Bend section near the top.

So I'd never rule a neighborhood in or out on price alone. Every neighborhood has its own personality, and I'd start there.

Let's find the one that fits, then find the lot and the house that fit your budget inside it.

If you're weighing a brand-new build, my guide to new construction in Georgetown covers MUDs, builder contracts and what I'd check.

What else changes your monthly cost?

Taxes. They matter more here than you'd expect, and they're the first thing I'd look up for you.

For the 2026 tax year, Georgetown's no-new-revenue rate was $0.362168 per $100 of value. Williamson County adopted $0.421547 for FY 2026-27.

Georgetown ISD put a tax rate election on the November 3, 2026 ballot. It'd set the district's rate at $1.1106 per $100, or $1.0206 if it fails.

Many newer communities also sit in a MUD, which adds its own rate on top. Georgetown's policy caps a new MUD at $0.55 per $100, though some have been approved at $0.65.

That's why two $750,000 homes a mile apart can have very different monthly payments, and it's something I'll always walk you through.

My advice is to pull the full tax rate and the HOA for the exact address before you write an offer.

Is now a good time to buy at any of these prices?

If you're ready to buy, then yes, it's a great time to buy.

As of September 2026, I'm seeing more price reductions, seller concessions and even interest rate buydowns. Sellers have a lot of competition out there, so they're willing to negotiate a lot more than in past years.

The listings I'm looking at back that up. As of October 2026, 123 of the 317 homes around $500,000 had already taken a price cut. That's about 39%.

Around $750,000, it was 67 of 185. Around $1 million, it was 19 of 50.

At today's rates, a buydown can matter as much as a price cut. I'd ask about both, and I'll help you weigh them.

What I want for you

My goal is for you to feel heard, confident and informed, whatever your number is. It's one of the biggest purchases of your life, and I don't take that lightly.

I'll answer my phone, I'll stay involved the whole way, and I'm always going to be looking out for your best interest.

Tell me your number and how you want to live. I'd love to help you find a place in Georgetown that feels like home.

Verification notes

Every listing figure here's from active single-family MLS listings in Georgetown, pulled on October 21, 2026. They're asking prices, and they aren't closed sales. "Around" each price means within about 10% of it.

Neighborhood names come from a sample of listing records at each price. They show what was on the market, and they don't cover every neighborhood at that price.

Monthly payments are principal and interest only, on a 30-year fixed loan at 7.40% with 20% down. Your rate and payment won't match exactly, so I'd confirm them with a lender.

Tax rates are for the 2026 tax year and FY 2026-27. The Georgetown ISD rate depends on the November 3, 2026 election, so I'd check the result.

Sources: Home figures computed from active MLS listings (Realty-in-US), as of October 2026. Freddie Mac Primary Mortgage Market Survey and October 15, 2026 release. Redfin Georgetown housing market. 2026 city tax rate notice. Williamson County budget and tax rate. Georgetown ISD tax rate election, Community Impact. MUD taxes in Georgetown, Community Impact. Cimarron Hills final phase, Community Impact. Parkside on the River. Wolf Ranch. The Club at Berry Creek. Sun City Texas Community Association.