Run the real numbers
Dallas Cost Calculator
Texas has no state income tax, but property taxes run high — usually 1.8% to 2.6% depending on the city and MUD/PID. This estimates what you'd actually pay each month.
Your numbers
Down payment $130,000 · Loan amount $520,000
Estimated monthly
$4,791
- Principal & interest$3,287
- Property taxes$1,138
- Homeowners insurance$267
- Mortgage insurance (PMI)$0
- HOA dues$100
Estimates only. Actual taxes vary by city, county, ISD, MUD and PID. Not a loan quote — talk to a lender for exact figures.
Talk Through Your BudgetDallas Property Tax Mapper
Tax rates, city by city
Every dot is a Dallas-area city with its combined city, county, ISD and college rate. Tap one to see the breakdown — and to drop that rate straight into the calculator above.
What moves the number in Dallas
Property tax rate
Rates swing from roughly 1.6% in established Dallas County neighborhoods to 2.6%+ in brand-new communities carrying MUD or PID debt.
MUD, PID and HOA
New master planned communities often stack a district assessment on top of HOA dues. Always ask before you fall in love with the model home.
Homestead exemption
File it your first year. It caps how fast your taxable value can climb and can save thousands annually.
Insurance
North Texas hail is real. Budget more than you did in most other states, and ask about roof age and deductible structure.