In Carrollton, a typical home is worth $381,000 and typical rent is $1,735 a month. Compared with all of Denton County, the typical home value is 13% lower, typical household income is 9% lower, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $341,615 to $396,178.
Typical rent
$1,650a month
▲ 1.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,484 to $1,650.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Carrollton is in Denton County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Denton County. See the county
What this place has that others do not, from public data, most unusual first.
1
59% of households in Carrollton own their home, against 65% in Denton County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Carrollton
What homes there are in Carrollton, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Carrollton
Denton County
Texas
United States
Kind of home: Carrollton and its comparisons
Measure
Carrollton
Denton County
Texas
United States
Detached house
58%
69%
64%
61%
Attached house
6%
3%
3%
6%
Building of 2 to 4
7%
4%
5%
8%
Apartments (5 or more)
29%
22%
21%
19%
Mobile home
Unreliable estimate
2%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses are the majority in Carrollton (58%), but less so than in Denton County (69%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Carrollton
Denton County
Texas
United States
Year built: Carrollton and its comparisons
Measure
Carrollton
Denton County
Texas
United States
Before 1960
3%
3%
12%
26%
1960–1979
23%
10%
21%
24%
1980–1999
44%
31%
28%
25%
2000–2009
14%
25%
18%
14%
2010 or later
16%
33%
21%
11%
The typical home in Carrollton was built in 1988, 15 years before the typical one in Denton County.
There are fewer big homes in Carrollton than in Denton County: 61% have 3 bedrooms or more, against 71%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K2%
$100K–$200K5%
$200K–$300K18%
$300K–$500K54%
$500K–$750K17%
FHA limit: $563,500
$750K–$1M4%
$1M or more1%
Value of owner-occupied homes: Carrollton and its comparisons
Measure
Carrollton
Under $100K
2%
$100K–$200K
5%
$200K–$300K
18%
$300K–$500K
54%
$500K–$750K
17%
$750K–$1M
4%
$1M or more
1%
The FHA loan limit for Denton County is $563,500, and about 83% of owner-occupied homes in Carrollton are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49927%
$1,500–$1,99946%
$2,000–$2,49916%
$2,500–$2,9996%
$3,000 or more4%
Monthly rent with utilities: Carrollton and its comparisons
Measure
Carrollton
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
27%
$1,500–$1,999
46%
$2,000–$2,499
16%
$2,500–$2,999
6%
$3,000 or more
4%
With a mortgage
$2,341 a month
Denton County: $2,676 a month
Without a mortgage
$922 a month
Denton County: $1,045 a month
Owners with a mortgage
63%
Denton County: 71%
The typical cost for an owner with a mortgage in Carrollton is $2,341 a month, less than in Denton County ($2,676); without one, $922.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Carrollton+60%
Denton County+57%
Texas+65%
United States+53%
Typical rent
Carrollton+40%
Denton County+42%
Texas+34%
United States+33%
Typical household income
Carrollton+30%
Denton County+28%
Texas+27%
United States+29%
Change since 2015–2019: Carrollton and its comparisons
Measure
Carrollton
Denton County
Texas
United States
Typical home value
+60%
+57%
+65%
+53%
Typical rent
+40%
+42%
+34%
+33%
Typical household income
+30%
+28%
+27%
+29%
The typical home value in Carrollton rose 60% since 2015–2019, about the same as in Denton County (57%).
The typical rent in Carrollton rose 40% since 2015–2019, about the same as in Denton County (42%).
Here income did not keep up with housing: it rose 30%, while home values changed +60% and rent +40%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Carrollton and its comparisons
Measure
Carrollton
Denton County
Texas
United States
Rental vacancy
5.3%
4.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.1%
0.9%
More than one person per room
4.6%
2.9%
4.8%
3.4%
People per household
2.56
2.68
2.69
2.53
Drive alone
65%
66%
71%
69%
Carpool
10%
8%
10%
9%
Public transit
1%
0%
1%
3%
Walk or bike
1%
1%
2%
3%
Work from home
22%
24%
14%
15%
Other means
1%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Carrollton, the rental vacancy rate is 5.3%, about the same as in Denton County.
More households are short on space in Carrollton: 4.6% have more than one person per room; in Denton County, 2.9%.
A household in Carrollton has 2.56 people on average, about the same as in Denton County (2.68).
The car rules in Carrollton: 65% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Carrollton?
A typical home costs more than the typical income allows
We start with a typical home in Carrollton, worth $381,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Carrollton, which is $101,396 a year. For that payment to be 28% of income, a household would need to earn about $142,504 a year.
The calculator's FHA and conventional loan limits are those of all of Denton County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Carrollton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $13,335 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,325
at 7.18% · 30 years
Loan amount
$374,099
Total interest
$538,241
Paid off in
November 2056
Includes $6,434 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,366 a month
Tight
$2,366 to $3,042 a month
Hard
more than $3,042 a month
Your payment · 39%
Compared with the typical household income in Carrollton ($101,396 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,534
Property tax
$464
Home insurance
$159
FHA mortgage insurance (MIP)
$169
You need at least $13,335 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,325; principal and interest $2,534.
The city and its county
Carrollton and Denton County
Carrollton is in Denton County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Carrollton
Map of Denton County, Texas, with Carrollton marked. Around it, the neighboring counties.
Carrollton
Denton County
Other cities with a page
Carrollton's own numbers
Typical home value
$381,000
Typical monthly rent
$1,735
Typical yearly household income
$101,396
Households that own their home
59%
Effective property tax rate
1.46%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Denton County
FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
0.8%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Denton County.
A typical home in Carrollton is worth $381,000: 13% below the county and 34% above Texas. With the typical household income in Carrollton ($101,396 a year), a typical home costs 3.8 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Carrollton3.8 years
Denton3.9 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Denton County
According to FHFA’s house price index, home prices in Denton County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Denton County.
Yearly change in FHFA’s price index in Denton County, 2016 to 2025
2016: +9.9% +9.9% 2016
2017: +10.2% +10.2% 2017
2018: +7.0% +7.0% 2018
2019: +3.8% +3.8% 2019
2020: +2.6% +2.6% 2020
2021: +14.0% +14.0% 2021
2022: +21.4% +21.4% 2022
2023: +4.1% +4.1% 2023
2024: +2.0% +2.0% 2024
2025: −0.9% −0.9% 2025
Change in FHFA’s price index in Denton County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.9%
+0.8%
+2.9%
5 years (2020–2025)
+46%
+44%
+47%
10 years (2015–2025)
+101%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Carrollton next to Denton County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Carrollton$381,000
Denton$437,200
Texas$283,800
United States$332,700
Typical monthly rent
Carrollton$1,735
Denton$1,728
Texas$1,403
United States$1,413
Typical yearly household income
Carrollton$101,396
Denton$111,498
Texas$78,476
United States$80,734
See the full table
Carrollton next to Denton County and Texas
Measure
Carrollton
Denton County
Texas
U.S.
Typical home value
$381,000 ▼13% below the county
$437,200
$283,800
$332,700
Typical monthly rent
$1,735
$1,728
$1,403
$1,413
Typical yearly household income
$101,396 ▼9% below the county
$111,498
$78,476
$80,734
Households that own their home
59% ▼7 points below the county
65%
63%
65%
Typical yearly property tax
$5,563 ▼21% below the county
$7,055
$4,232
$3,119
Effective property tax rate
1.46% ▼0.15 points below the county
1.61%
1.49%
0.94%
Renters with high rent for their income
48% ▼3 points below the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Denton County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Carrollton
For a typical $381,000 home in Carrollton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Carrollton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,325a month
Least cash to close
Down payment
$13,335
Cash to close
$24,765
Rate
7.18%
Mortgage insurance
FHA MIP · $169
Conventional, 5% down$3,255a month
Down payment
$19,050
Cash to close
$30,480
Rate
7.18%
Mortgage insurance
PMI · $181
Conventional, 20% down, no PMI$2,687a month
Down payment
$76,200
Cash to close
$87,630
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,039a month
Down payment
$57,150
Cash to close
$68,580
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Carrollton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,325
$13,335
$374,099
7.18%
FHA MIP · $169
$24,765
580
Conventional, 5% down
$3,255
$19,050
$361,950
7.18%
PMI · $181
$30,480
620*
Conventional, 20% down, no PMI
$2,687
$76,200
$304,800
7.18%
None
$87,630
620*
ITIN, 15% down (example)
$3,039
$57,150
$323,850
8.18%
None
$68,580
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Carrollton is $1,735 a month: about the same as the county. In Carrollton, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Denton County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Denton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,491
$28.67
$59,640
1 bedroom
$1,536
$29.54
$61,440
2 bedrooms
$1,807
$34.75
$72,280
3 bedrooms
$2,275
$43.75
$91,000
4 bedrooms
$2,892
$55.62
$115,680
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Carrollton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Carrollton has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,840 in 75006 to $2,070 in 75010.
3 of the 3 are above the fair market rent for Denton County ($1,807).
2-bedroom fair market rent in each of the 3 ZIP codes of Carrollton, beside the one for Denton County. For 2 bedrooms it runs from $1,840 in 75006 to $2,070 in 75010. 3 of the 3 are above the fair market rent for Denton County ($1,807).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,807
Lowest: $1,840 (75006)Highest: $2,070 (75010)
Fair market rent by ZIP code and size in Carrollton, fiscal year 2027.
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Denton County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Carrollton or Denton County. The ones below are statewide in Texas: they work in Carrollton the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Carrollton or Denton County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Carrollton and all of Denton County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Carrollton?
The typical home value in Carrollton is $381,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Denton County it is $437,200.
How much does it cost to rent in Carrollton?
Typical rent in Carrollton is $1,735 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Denton County is $1,807.
What is the FHA loan limit in Carrollton?
Carrollton uses the FHA limit for all of Denton County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.
How much property tax do owners pay in Carrollton?
The typical homeowner in Carrollton pays $5,563 a year, according to the U.S. Census Bureau. That is 1.46% of the home’s value; in Denton County, the rate is 1.61%.
Where can I find free help to buy or rent in Carrollton?
We found no HUD-approved counseling agencies with an office in Denton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
