In Cedar Hill, a typical home is worth $302,700 and typical rent is $1,993 a month. Compared with all of Dallas County, typical household income is 33% higher, typical rent is 27% higher, and the share of households that own their home is 21 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $280,700 to $311,250.
Typical rent
$1,823a month
▲ 0.7% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,569 to $1,823.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Cedar Hill is in Dallas 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 Dallas County. See the county
What this place has that others do not, from public data, most unusual first.
1
71% of households in Cedar Hill own their home, against 51% in Dallas County.
2
The typical household income in Cedar Hill is $101,909,33% more than in Dallas County as a whole ($76,547).
3
The typical rent in Cedar Hill is $1,993 a month, 27% more than in Dallas County as a whole ($1,565).
4
Nearby, in Grand Prairie, the typical rent is $1,629: 18% less than in Cedar Hill ($1,993).
5
Nearby, in Duncanville, the typical home value is $255,500: 16% less than in Cedar Hill ($302,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Cedar Hill
What homes there are in Cedar Hill, 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
Cedar Hill
Dallas County
Texas
United States
Kind of home: Cedar Hill and its comparisons
Measure
Cedar Hill
Dallas County
Texas
United States
Detached house
82%
52%
64%
61%
Attached house
3%
4%
3%
6%
Building of 2 to 4
2%
6%
5%
8%
Apartments (5 or more)
12%
37%
21%
19%
Mobile home
Unreliable estimate
2%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 82% of homes here, against 52% in Dallas County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Cedar Hill
Dallas County
Texas
United States
Year built: Cedar Hill and its comparisons
Measure
Cedar Hill
Dallas County
Texas
United States
Before 1960
2%
17%
12%
26%
1960–1979
10%
28%
21%
24%
1980–1999
47%
28%
28%
25%
2000–2009
26%
13%
18%
14%
2010 or later
14%
14%
21%
11%
The typical home in Cedar Hill was built in 1995, 12 years after the typical one in Dallas County.
Homes in Cedar Hill are bigger: 82% have 3 bedrooms or more; in Dallas County, 51%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K4%
$100K–$200K10%
$200K–$300K36%
$300K–$500K34%
$500K–$750K11%
FHA limit: $563,500
$750K–$1M3%
$1M or moreUnreliable
Value of owner-occupied homes: Cedar Hill and its comparisons
Measure
Cedar Hill
Under $100K
4%
$100K–$200K
10%
$200K–$300K
36%
$300K–$500K
34%
$500K–$750K
11%
$750K–$1M
3%
$1M or more
Unreliable estimate
About 86% of owner-occupied homes in Cedar Hill are worth less than the FHA loan limit for Dallas County ($563,500).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49915%
$1,500–$1,99934%
$2,000–$2,49931%
$2,500–$2,99915%
$3,000 or moreUnreliable
Monthly rent with utilities: Cedar Hill and its comparisons
Measure
Cedar Hill
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
15%
$1,500–$1,999
34%
$2,000–$2,499
31%
$2,500–$2,999
15%
$3,000 or more
Unreliable estimate
With a mortgage
$2,076 a month
Dallas County: $2,166 a month
Without a mortgage
$937 a month
Dallas County: $793 a month
Owners with a mortgage
67%
Dallas County: 57%
Owning costs about the same in Cedar Hill as in Dallas County: with a mortgage, $2,076 a month; without one, $937.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cedar Hill+79%
Dallas County+73%
Texas+65%
United States+53%
Typical rent
Cedar Hill+45%
Dallas County+42%
Texas+34%
United States+33%
Typical household income
Cedar Hill+41%
Dallas County+28%
Texas+27%
United States+29%
Change since 2015–2019: Cedar Hill and its comparisons
Measure
Cedar Hill
Dallas County
Texas
United States
Typical home value
+79%
+73%
+65%
+53%
Typical rent
+45%
+42%
+34%
+33%
Typical household income
+41%
+28%
+27%
+29%
The typical home value in Cedar Hill rose 79% since 2015–2019, more than in Dallas County (73%).
The typical rent in Cedar Hill rose 45% over the same time; in Dallas County, it rose 42%.
Here income did not keep up with housing: it rose 41%, while home values changed +79% and rent +45%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cedar Hill and its comparisons
Measure
Cedar Hill
Dallas County
Texas
United States
Rental vacancy
Unreliable estimate
9.1%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.1%
0.9%
More than one person per room
3.6%
6.2%
4.8%
3.4%
People per household
2.92
2.63
2.69
2.53
Drive alone
72%
68%
71%
69%
Carpool
9%
12%
10%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
17%
16%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 3.6% of households in Cedar Hill live, less than in Dallas County (6.2%).
Households in Cedar Hill are bigger: 2.92 people on average; in Dallas County, 2.63.
In Cedar Hill, 72% of workers drive alone to work; in Dallas County, 68%.
Do the math
What would you pay each month for a home in Cedar Hill?
A typical home is tight for the typical income
We start with a typical home in Cedar Hill, worth $302,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Cedar Hill, which is $101,909 a year. For that payment to be 28% of income, a household would need to earn about $116,569 a year.
The calculator's FHA and conventional loan limits are those of all of Dallas 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 Cedar Hill. 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 $10,595 (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
$2,720
at 7.18% · 30 years
Loan amount
$297,217
Total interest
$427,625
Paid off in
November 2056
Includes $5,112 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,378 a month
Tight
$2,378 to $3,057 a month
Your payment · 32%
Hard
more than $3,057 a month
Compared with the typical household income in Cedar Hill ($101,909 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,013
Property tax
$447
Home insurance
$126
FHA mortgage insurance (MIP)
$134
You need at least $10,595 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 $2,720; principal and interest $2,013.
The city and its county
Cedar Hill and Dallas County
Cedar Hill is in Dallas 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).
Cedar Hill
Map of Dallas County, Texas, with Cedar Hill marked. Around it, the neighboring counties.
Cedar Hill
Dallas County
Other cities with a page
Cedar Hill's own numbers
Typical home value
$302,700
Typical monthly rent
$1,993
Typical yearly household income
$101,909
Households that own their home
71%
Effective property tax rate
1.77%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Dallas 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)
+45%
Homes in a high flood-risk zone
1%
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 Dallas County.
A typical home in Cedar Hill is worth $302,700: about the same as the county and 7% above Texas. With the typical household income in Cedar Hill ($101,909 a year), a typical home costs 3.0 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.
Cedar Hill3.0 years
Dallas4.0 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Dallas County
According to FHFA’s house price index, home prices in Dallas County rose 98% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Dallas County.
Yearly change in FHFA’s price index in Dallas County, 2016 to 2025
2016: +9.8% +9.8% 2016
2017: +9.5% +9.5% 2017
2018: +6.7% +6.7% 2018
2019: +4.1% +4.1% 2019
2020: +2.1% +2.1% 2020
2021: +12.1% +12.1% 2021
2022: +19.8% +19.8% 2022
2023: +5.0% +5.0% 2023
2024: +3.0% +3.0% 2024
2025: −0.1% −0.1% 2025
Change in FHFA’s price index in Dallas County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.1%
+0.8%
+2.9%
5 years (2020–2025)
+45%
+44%
+47%
10 years (2015–2025)
+98%
+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
Cedar Hill next to Dallas 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
Cedar Hill$302,700
Dallas$303,000
Texas$283,800
United States$332,700
Typical monthly rent
Cedar Hill$1,993
Dallas$1,565
Texas$1,403
United States$1,413
Typical yearly household income
Cedar Hill$101,909
Dallas$76,547
Texas$78,476
United States$80,734
See the full table
Cedar Hill next to Dallas County and Texas
Measure
Cedar Hill
Dallas County
Texas
U.S.
Typical home value
$302,700
$303,000
$283,800
$332,700
Typical monthly rent
$1,993 ▲27% above the county
$1,565
$1,403
$1,413
Typical yearly household income
$101,909 ▲33% above the county
$76,547
$78,476
$80,734
Households that own their home
71% ▲21 points above the county
51%
63%
65%
Typical yearly property tax
$5,347 ▲11% above the county
$4,798
$4,232
$3,119
Effective property tax rate
1.77% ▲0.19 points above the county
1.58%
1.49%
0.94%
Renters with high rent for their income
62% ▲10 points above the county
52%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Dallas 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 Cedar Hill
For a typical $302,700 home in Cedar Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cedar Hill's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,720a month
Least cash to close
Down payment
$10,595
Cash to close
$19,676
Rate
7.18%
Mortgage insurance
FHA MIP · $134
Conventional, 5% down$2,664a month
Down payment
$15,135
Cash to close
$24,216
Rate
7.18%
Mortgage insurance
PMI · $144
Conventional, 20% down, no PMI$2,213a month
Down payment
$60,540
Cash to close
$69,621
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,493a month
Down payment
$45,405
Cash to close
$54,486
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cedar Hill
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,720
$10,595
$297,217
7.18%
FHA MIP · $134
$19,676
580
Conventional, 5% down
$2,664
$15,135
$287,565
7.18%
PMI · $144
$24,216
620*
Conventional, 20% down, no PMI
$2,213
$60,540
$242,160
7.18%
None
$69,621
620*
ITIN, 15% down (example)
$2,493
$45,405
$257,295
8.18%
None
$54,486
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 Cedar Hill is $1,993 a month: 27% above the county. In Cedar Hill, 62% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Dallas 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 Dallas 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 Cedar Hill
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cedar Hill is in ZIP code 75104.
For 2 bedrooms it is $2,160: $353 more than the fair market rent for Dallas County ($1,807).
Fair market rent by ZIP code and size in Cedar Hill, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75104
$1,780
$1,840
$2,160
$2,720
$3,460
ZIP code2 bd3 bd
75104 $2,160$2,720
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cedar Hill when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
There are 9 HUD-approved agencies with an office in Dallas County; 6 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Cedar Hill or Dallas County. The ones below are statewide in Texas: they work in Cedar Hill 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 Cedar Hill or Dallas 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 Cedar Hill and all of Dallas 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 Cedar Hill?
The typical home value in Cedar Hill is $302,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dallas County it is $303,000.
How much does it cost to rent in Cedar Hill?
Typical rent in Cedar Hill is $1,993 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dallas County is $1,807.
What is the FHA loan limit in Cedar Hill?
Cedar Hill uses the FHA limit for all of Dallas 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 Cedar Hill?
The typical homeowner in Cedar Hill pays $5,347 a year, according to the U.S. Census Bureau. That is 1.77% of the home’s value; in Dallas County, the rate is 1.58%.
Where can I find free help to buy or rent in Cedar Hill?
There are 9 HUD-approved counseling agencies with an office in Dallas County. 6 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
