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City · 7,902 residents · Dallam County, Texas

Dalhart , Texas

In Dalhart, a typical home is worth $161,600 and typical rent is $1,069 a month. Compared with all of Dallam County, the typical home value is 7% higher.

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  • Typical home value

    $161,600

    7% above the county

    43% below Texas

    • Dalhart
    • Dallam
    • Texas

  • Typical rent

    $1,069a month

    About the same as the county

    24% below Texas

    • Dalhart
    • Dallam
    • Texas

  • Typical household income

    $71,630a year

    About the same as the county

    9% below Texas

    • Dalhart
    • Dallam
    • Texas

  • Households that own their home

    65%

    1 points above the county

    2 points above Texas

    • Dalhart
    • Dallam
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$197,460
7% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Dalhart is in Dallam County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Dallam County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dalhart apart

What this place has that others do not, from public data, most unusual first.

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Dalhart rose 7%; in Texas, it fell 1.4%.

  2. Nearby, in Borger, the typical home value is $103,400: 36% less than in Dalhart ($161,600).

Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data

The homes here

Housing in Dalhart

What homes there are in Dalhart, 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

In Dalhart, 7 in 10 homes are single-family detached houses, about the same as in Dallam County.

Year built

In Dalhart, half of the homes were built before 1978; in Dallam County, before 1977.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Dallam County is high ($541,287): at least 95% of owner-occupied homes in Dalhart are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,510 a month

Dallam County: $1,237 a month

Without a mortgage

$588 a month

Dallam County: $566 a month

Owners with a mortgage

44%

Dallam County: 37%

The typical cost for an owner with a mortgage in Dalhart is $1,510 a month, more than in Dallam County ($1,237); without one, $588.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Dalhart rose 46% since 2015–2019, less than in Dallam County (70%).

Since 2015–2019, the typical rent in Dalhart rose 35%, less than in Dallam County (40%).

The typical household income in Dalhart rose 22%: less than home values (+46%) and rent (+35%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureDalhartDallam CountyTexasUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate4.8%3.4%
People per household 2.562.812.692.53
Drive alone 81%82%71%69%
Carpool 13%11%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimateUnreliable estimate14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Dalhart are smaller: 2.56 people on average; in Dallam County, 2.81.

To get to work, 81% of workers in Dalhart drive alone; in Dallam County, 82%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Dalhart?

A typical home is within reach of the typical income

We start with a typical home in Dalhart, worth $161,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Dalhart, which is $71,630 a year.

The calculator's FHA and conventional loan limits are those of all of Dallam County.

Your numbers

Local data
$

Starts at the typical home value in Dalhart. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,656 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,387

at 7.18% · 30 years

Loan amount
$158,673
Total interest
$228,293
Paid off in
November 2056

Includes $2,729 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,671 a month

    Your payment · 23%

  • Tight

    $1,671 to $2,149 a month

  • Hard

    more than $2,149 a month

Compared with the typical household income in Dalhart ($71,630 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,387
Principal & interest$1,075
Property tax$174
Home insurance$67
FHA mortgage insurance (MIP)$71

You need at least $5,656 for the down payment, plus closing costs.

Next step

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.

The city and its county

Dalhart and Dallam County

Dalhart is in Dallam 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).

Dalhart's own numbers

Typical home value
$161,600
Typical monthly rent
$1,069
Typical yearly household income
$71,630
Households that own their home
65%
Effective property tax rate
1.29%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Dallam County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,381
Price change over 5 years (FHFA)
+63%

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 Dallam County.

Everything about Dallam County

Buying

Buying a home in Dalhart

A typical home in Dalhart is worth $161,600: 7% above the county and 43% below Texas. With the typical household income in Dalhart ($71,630 a year), a typical home costs 2.3 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.

  • Dalhart 2.3 years
  • Dallam 2.1 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Dallam County

According to FHFA’s house price index, home prices in Dallam County rose 91% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Dallam County.

Period County Texas U.S.
Last year (2025) +20.3% +0.8% +2.9%
5 years (2020–2025) +63% +44% +47%
10 years (2015–2025) +91% +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

Dalhart next to Dallam 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
  • Dalhart $161,600
  • Dallam $151,400
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Dalhart $1,069
  • Dallam $1,081
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Dalhart $71,630
  • Dallam $71,500
  • Texas $78,476
  • United States $80,734
See the full table
Dalhart next to Dallam County and Texas
Measure Dalhart Dallam County Texas U.S.
Typical home value $161,600 $151,400 $283,800 $332,700
Typical monthly rent $1,069 $1,081 $1,403 $1,413
Typical yearly household income $71,630 $71,500 $78,476 $80,734
Households that own their home 65% 64% 63% 65%
Typical yearly property tax $2,082 $1,736 $4,232 $3,119
Effective property tax rate 1.29% 1.15% 1.49% 0.94%
Renters with high rent for their income 40% 49% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Dallam 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 Dalhart

For a typical $161,600 home in Dalhart, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dalhart's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,387a month

    Least cash to close
    Down payment
    $5,656
    Cash to close
    $10,504
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $71

  • Conventional, 5% down $1,358a month

    Down payment
    $8,080
    Cash to close
    $12,928
    Rate
    7.18%
    Mortgage insurance
    PMI · $77

  • Conventional, 20% down, no PMI $1,117a month

    Down payment
    $32,320
    Cash to close
    $37,168
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,266a month

    Down payment
    $24,240
    Cash to close
    $29,088
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Dalhart and for Dallam County.

Property tax

Effective rate in Dalhart

1.29%of the home’s value each year

$2,082 a year for the typical owner in Dalhart.

  • Dalhart 1.29%
  • Dallam 1.15%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Dallam County

FEMA does not publish these numbers by city: they are for all of Dallam County.

FEMA’s maps count no homes in the high-risk zone in Dallam County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dalhart

Typical rent in Dalhart is $1,069 a month: about the same as the county. In Dalhart, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Dallam County, by unit size. To pay the 2-bedroom one ($1,381 a month) without spending more than 30% of your income, you would need to earn $26.56 an hour working full time.

HUD fair market rent for all of Dallam County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,050 $20.19 $42,000
1 bedroom $1,099 $21.13 $43,960
2 bedrooms $1,381 $26.56 $55,240
3 bedrooms $1,645 $31.63 $65,800
4 bedrooms $1,989 $38.25 $79,560

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 Dalhart

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dalhart is in ZIP code 79022.

For 2 bedrooms it is $1,310: $71 less than the fair market rent for Dallam County ($1,381).

  • 79022 $1,310$1,620

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dalhart 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Dalhart

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 Dallam County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Dalhart

No down payment, repair or rent-help program on our list is for Dalhart or Dallam County. The ones below are statewide in Texas: they work in Dalhart the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    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).

    Tax credit

    See the program Official page

Housing counselors near Dalhart

The HUD-approved agencies closest to the center of Dalhart, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Midland Community Development Corp

    208 S Marienfeld St, Midland · 282 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (432) 682-2520

  • Odessa Affordable Housing, Inc.

    3801 N Dixie Blvd, Odessa · 289 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (432) 362-2349

  • Fort Worth Area Habitat for Humanity Inc

    9333 N Normandale St, Fort Worth · 367 miles away · Spanish

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 1 more
    817-926-9219x119

All counseling agencies in Texas

Help in Spanish near Dalhart

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Dalhart

HUD lists no housing authority with an office in Dallam County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Texas Source: HUD

Cities

Nearby cities

The cities closest to Dalhart, with the typical home value.

Everything about Dallam County Housing in Texas

Neighboring counties

If Dallam County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Dalhart.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Dalhart

Short answers with the numbers for Dalhart and all of Dallam 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 Dalhart?

The typical home value in Dalhart is $161,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dallam County it is $151,400.

How much does it cost to rent in Dalhart?

Typical rent in Dalhart is $1,069 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dallam County is $1,381.

What is the FHA loan limit in Dalhart?

Dalhart uses the FHA limit for all of Dallam County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Dalhart?

The typical homeowner in Dalhart pays $2,082 a year, according to the U.S. Census Bureau. That is 1.29% of the home’s value; in Dallam County, the rate is 1.15%.

Where can I find free help to buy or rent in Dalhart?

We found no HUD-approved counseling agencies with an office in Dallam County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).