How Much Home Can I Realistically Afford in Dallas?

Dallas affordability can swing dramatically based on county, taxes, and HOA dues.

2025 Dallas Payment Snapshot

For every $100,000 borrowed, the average monthly payment in DFW (2025 rates) lands around:➡️ $710–$760/month depending on taxes & insurance

Property Tax Reality in North Texas

• Dallas County avg. tax rate: 2.67%

• Collin County: 2.44%

• Denton County: 2.38%

• Rockwall County: 2.39%

This means a $450,000 home in Frisco will have a very different payment than a $450,000 home in Mesquite.

Affordability Formula for Dallas

Keep your total payment at or below 30–33% of gross monthly income, but adjust up or down depending on HOA-heavy neighborhoods like Trinity Falls or Inspiration.