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City · 152,866 residents · Denton County, Texas

Denton , Texas

In Denton, a typical home is worth $348,200 and typical rent is $1,420 a month. Compared with all of Denton County, typical household income is 32% lower, the typical home value is 20% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $348,200

    20% below the county

    23% above Texas

    • Denton
    • County
    • Texas

  • Typical rent

    $1,420a month

    18% below the county

    About the same as Texas

    • Denton
    • County
    • Texas

  • Typical household income

    $76,019a year

    32% below the county

    3% below Texas

    • Denton
    • County
    • Texas

  • Households that own their home

    50%

    15 points below the county

    13 points below Texas

    • Denton
    • County
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$343,177
3.1% less than 12 months ago
Typical rent
$1,492 a month
1.1% less than 12 months ago

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

Denton 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Denton apart

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

  1. The typical household income in Denton is $76,019, 32% less than in Denton County as a whole ($111,498).

  2. 50% of households in Denton own their home, against 65% in Denton County.

  3. Nearby, in Lake Dallas, the typical home value is $269,000: 23% less than in Denton ($348,200).

  4. The typical home in Denton is worth $348,200, 20% less than in Denton County as a whole ($437,200).

  5. The typical rent in Denton is $1,420 a month, 18% less than in Denton County as a whole ($1,728).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Denton

What homes there are in Denton, 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

The detached house is still the most common home in Denton, but it weighs less than in Denton County: 56% against 69%.

Year built

Homes in Denton are older: the typical year built is 1997; in Denton County, 2003.

There are fewer big homes in Denton than in Denton County: 58% have 3 bedrooms or more, against 71%.

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 loan limit for Denton County is $563,500, and about 86% of owner-occupied homes in Denton are worth less than that.

Monthly rent with utilities

With a mortgage

$2,225 a month

Denton County: $2,676 a month

Without a mortgage

$851 a month

Denton County: $1,045 a month

Owners with a mortgage

63%

Denton County: 71%

In Denton, 63% of owners have a mortgage, and their typical cost is $2,225 a month, against $2,676 in Denton County. Without one it drops to $851.

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

From 2015–2019 to 2020–2024, home values in Denton rose at about the same pace as in Denton County: 59% against 57%.

The typical rent in Denton rose 31% over the same time; in Denton County, it rose 42%.

The typical household income in Denton rose 27%: less than home values (+59%) and rent (+31%).

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

MeasureDentonDenton CountyTexasUnited States
Rental vacancy 5.4%4.8%7.7%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room 3.3%2.9%4.8%3.4%
People per household 2.532.682.692.53
Drive alone 67%66%71%69%
Carpool 12%8%10%9%
Public transit 1%0%1%3%
Walk or bike 5%1%2%3%
Work from home 14%24%14%15%
Other means 2%2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Denton look like those in Denton County: the rental vacancy rate is 5.4%.

In Denton, 3.3% of households live with more than one person per room, about the same as in Denton County.

On average, a household in Denton has 2.53 people, fewer than in Denton County (2.68).

More people carpool to work in Denton than in Denton County: 12% against 8%.

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 Denton?

A typical home costs more than the typical income allows

We start with a typical home in Denton, worth $348,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Denton, which is $76,019 a year. For that payment to be 28% of income, a household would need to earn about $131,728 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Denton. 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 $12,187 (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

$3,074

at 7.18% · 30 years

Loan amount
$341,893
Total interest
$491,904
Paid off in
November 2056

Includes $5,880 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,774 a month

  • Tight

    $1,774 to $2,281 a month

  • Hard

    more than $2,281 a month

    Your payment · 49%

Compared with the typical household income in Denton ($76,019 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,074
Principal & interest$2,316
Property tax$459
Home insurance$145
FHA mortgage insurance (MIP)$154

You need at least $12,187 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

Denton and Denton County

Denton 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).

Denton's own numbers

Typical home value
$348,200
Typical monthly rent
$1,420
Typical yearly household income
$76,019
Households that own their home
50%
Effective property tax rate
1.58%

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.

Everything about Denton County

Buying

Buying a home in Denton

A typical home in Denton is worth $348,200: 20% below the county and 23% above Texas. With the typical household income in Denton ($76,019 a year), a typical home costs 4.6 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.

  • Denton 4.6 years
  • County 3.9 years
  • Texas 3.6 years
  • United States 4.1 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.

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

Denton 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
  • Denton $348,200
  • County $437,200
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Denton $1,420
  • County $1,728
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Denton $76,019
  • County $111,498
  • Texas $78,476
  • United States $80,734
See the full table
Denton next to Denton County and Texas
Measure Denton Denton County Texas U.S.
Typical home value $348,200 $437,200 $283,800 $332,700
Typical monthly rent $1,420 $1,728 $1,403 $1,413
Typical yearly household income $76,019 $111,498 $78,476 $80,734
Households that own their home 50% 65% 63% 65%
Typical yearly property tax $5,493 $7,055 $4,232 $3,119
Effective property tax rate 1.58% 1.61% 1.49% 0.94%
Renters with high rent for their income 61% 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 Denton

For a typical $348,200 home in Denton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Denton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,074a month

    Least cash to close
    Down payment
    $12,187
    Cash to close
    $22,633
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $154

  • Conventional, 5% down $3,010a month

    Down payment
    $17,410
    Cash to close
    $27,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $165

  • Conventional, 20% down, no PMI $2,491a month

    Down payment
    $69,640
    Cash to close
    $80,086
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,813a month

    Down payment
    $52,230
    Cash to close
    $62,676
    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 Denton and for Denton County.

Property tax

Effective rate in Denton

1.58%of the home’s value each year

$5,493 a year for the typical owner in Denton.

  • Denton 1.58%
  • County 1.61%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Denton County

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

Homes in the high-risk zone
0.8%
1,994
Of those, with NFIP insurance
28%
County Texas U.S.
Homes in the high-risk zone 0.8% 4.1% 3.5%
Of those, with NFIP insurance 28% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Denton

Typical rent in Denton is $1,420 a month: 18% below the county. In Denton, 61% 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.

HUD fair market rent for all of Denton 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 $1,491 $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 Denton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Denton has 6 ZIP codes with their own.

For 2 bedrooms it runs from $1,480 in 76201 to $1,920 in 76207.

2 of the 6 are above the fair market rent for Denton County ($1,807).

  • 76201 $1,480$1,860
  • 76203 $1,480$1,860
  • 76205 $1,590$2,000
  • 76207 $1,920$2,420
  • 76208 $1,820$2,290
  • 76209 $1,600$2,010

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Denton 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?

Low-income apartments

Low-income apartments in Denton

HUD lists 16 buildings with rents for lower incomes in Denton. These are the largest.

  • The Veranda 2420 E McKinney St, Denton 76209 322 low-income homes · 1 bd: 36 · 2 bd: 146 · 3 bd: 124 · 4 bd: 16 · In service since 2017 · For older adults, people with disabilities, families, people experiencing homelessness
  • Providence Place Apts II (DENTON) 3500 Quail Creek Dr, Denton 76208 252 low-income homes · 1 bd: 51 · 2 bd: 113 · 3 bd: 88 · In service since 2007
  • Pebble Brook Apts 191 Duchess Dr, Denton 76208 250 low-income homes · In service since 1999
  • Primrose at Sequoia Park 1400 E University Dr, Denton 76209 250 low-income homes · In service since 2002
  • Waterford at Spencer Oaks 2100 Spencer Rd, Denton 76205 208 homes, 156 low-income · 2 bd: 104 · 3 bd: 104 · In service since 1998

See all 41 buildings in Denton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Denton

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.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Denton

No down payment, repair or rent-help program on our list is for Denton or Denton County. The ones below are statewide in Texas: they work in Denton 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 Denton

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

  • Balance - Dallas

    8330 Lbj Fwy, Dallas · 30 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 777-7526

  • Credit.org - Arlington, TX Branch

    2000 E Lamar Blvd, Arlington · 32 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • Hispanic Real Estate Brokers Association

    401 W Sanford St, Arlington · 33 miles away · Spanish

    • Pre-purchase counseling
    • Homebuyer education workshops
    (682) 348-4481

All counseling agencies in Texas

Help in Spanish near Denton

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 Denton

HUD’s record names them for Denton or Denton County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Texas Source: HUD

Cities

Other cities in Denton County

These cities are also in Denton County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Denton County Housing in Texas
See 11 more cities in Denton County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Denton 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 Denton.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Denton

Short answers with the numbers for Denton 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 Denton?

The typical home value in Denton is $348,200, 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 Denton?

Typical rent in Denton is $1,420 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 Denton?

Denton 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 Denton?

The typical homeowner in Denton pays $5,493 a year, according to the U.S. Census Bureau. That is 1.58% of the home’s value; in Denton County, the rate is 1.61%.

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

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.

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).