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City · 56,211 residents · Dallas County, Texas

DeSoto , Texas

In DeSoto, a typical home is worth $319,400 and typical rent is $1,666 a month. Compared with all of Dallas County, typical household income is 8% higher, typical rent is 6% higher, and the share of households that own their home is 19 points higher.

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  • Typical home value

    $319,400

    5% above the county

    13% above Texas

    • DeSoto
    • Dallas
    • Texas

  • Typical rent

    $1,666a month

    6% above the county

    19% above Texas

    • DeSoto
    • Dallas
    • Texas

  • Typical household income

    $82,782a year

    8% above the county

    5% above Texas

    • DeSoto
    • Dallas
    • Texas

  • Households that own their home

    70%

    19 points above the county

    7 points above Texas

    • DeSoto
    • Dallas
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$319,395
1.2% less than 12 months ago
Typical rent
$2,131 a month
about the same as 12 months ago

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

DeSoto 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

Data updated: October 1, 2026 11 official sources

Only here

What sets DeSoto apart

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

  1. 70% of households in DeSoto own their home, against 51% in Dallas County.

  2. DeSoto has the 18th largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (70%).

  3. Nearby, in Lancaster, the typical home value is $246,300: 23% less than in DeSoto ($319,400).

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

The homes here

Housing in DeSoto

What homes there are in DeSoto, 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 houses, standing on their own, make up 74% of homes here, against 52% in Dallas County.

Year built

The typical home in DeSoto was built in 1993, 10 years after the typical one in Dallas County.

In DeSoto, 76% of homes have 3 bedrooms or more, more than in Dallas County (51%).

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

By price, most homes in DeSoto sit under the FHA limit for Dallas County ($563,500): about 93%.

Monthly rent with utilities

With a mortgage

$2,119 a month

Dallas County: $2,166 a month

Without a mortgage

$968 a month

Dallas County: $793 a month

Owners with a mortgage

70%

Dallas County: 57%

The typical cost for an owner with a mortgage in DeSoto is $2,119 a month, near the figure in Dallas County ($2,166).

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

Since 2015–2019, homes in DeSoto gained value faster than in Dallas County: 88% against 73%.

Much as in Dallas County, the typical rent in DeSoto rose 41% since 2015–2019.

Here income did not keep up with housing: it rose 16%, while home values changed +88% and rent +41%.

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

MeasureDeSotoDallas CountyTexasUnited States
Rental vacancy 6.1%9.1%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room 1.7%6.2%4.8%3.4%
People per household 2.692.632.692.53
Drive alone 73%68%71%69%
Carpool 9%12%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 17%16%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In DeSoto, the rental vacancy rate is 6.1%; in Dallas County, 9.1%.

Fewer households are short on space in DeSoto: 1.7% have more than one person per room; in Dallas County, 6.2%.

Much as in Dallas County, a household in DeSoto has 2.69 people on average.

In DeSoto, 73% of workers drive alone to work; in Dallas County, 68%.

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 DeSoto?

A typical home costs more than the typical income allows

We start with a typical home in DeSoto, worth $319,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in DeSoto, which is $82,782 a year. For that payment to be 28% of income, a household would need to earn about $121,745 a year.

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

Your numbers

Local data
$

Starts at the typical home value in DeSoto. 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 $11,179 (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

$2,841

at 7.18% · 30 years

Loan amount
$313,615
Total interest
$451,218
Paid off in
November 2056

Includes $5,394 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,932 a month

  • Tight

    $1,932 to $2,483 a month

  • Hard

    more than $2,483 a month

    Your payment · 41%

Compared with the typical household income in DeSoto ($82,782 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,841
Principal & interest$2,125
Property tax$442
Home insurance$133
FHA mortgage insurance (MIP)$141

You need at least $11,179 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

DeSoto and Dallas County

DeSoto 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).

DeSoto's own numbers

Typical home value
$319,400
Typical monthly rent
$1,666
Typical yearly household income
$82,782
Households that own their home
70%
Effective property tax rate
1.66%

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.

Everything about Dallas County

Buying

Buying a home in DeSoto

A typical home in DeSoto is worth $319,400: 5% above the county and 13% above Texas. With the typical household income in DeSoto ($82,782 a year), a typical home costs 3.9 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.

  • DeSoto 3.9 years
  • Dallas 4.0 years
  • Texas 3.6 years
  • United States 4.1 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.

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

DeSoto 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
  • DeSoto $319,400
  • Dallas $303,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • DeSoto $1,666
  • Dallas $1,565
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • DeSoto $82,782
  • Dallas $76,547
  • Texas $78,476
  • United States $80,734
See the full table
DeSoto next to Dallas County and Texas
Measure DeSoto Dallas County Texas U.S.
Typical home value $319,400 $303,000 $283,800 $332,700
Typical monthly rent $1,666 $1,565 $1,403 $1,413
Typical yearly household income $82,782 $76,547 $78,476 $80,734
Households that own their home 70% 51% 63% 65%
Typical yearly property tax $5,316 $4,798 $4,232 $3,119
Effective property tax rate 1.66% 1.58% 1.49% 0.94%
Renters with high rent for their income 70% 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 DeSoto

For a typical $319,400 home in DeSoto, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, DeSoto's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,841a month

    Least cash to close
    Down payment
    $11,179
    Cash to close
    $20,761
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $141

  • Conventional, 5% down $2,782a month

    Down payment
    $15,970
    Cash to close
    $25,552
    Rate
    7.18%
    Mortgage insurance
    PMI · $152

  • Conventional, 20% down, no PMI $2,306a month

    Down payment
    $63,880
    Cash to close
    $73,462
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,601a month

    Down payment
    $47,910
    Cash to close
    $57,492
    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 DeSoto and for Dallas County.

Property tax

Effective rate in DeSoto

1.66%of the home’s value each year

$5,316 a year for the typical owner in DeSoto.

  • DeSoto 1.66%
  • Dallas 1.58%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Dallas County

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

Homes in the high-risk zone
1%
6,257
Of those, with NFIP insurance
40%
County Texas U.S.
Homes in the high-risk zone 1% 4.1% 3.5%
Of those, with NFIP insurance 40% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in DeSoto

Typical rent in DeSoto is $1,666 a month: 6% above the county. In DeSoto, 70% 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.

HUD fair market rent for all of Dallas 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 DeSoto

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). DeSoto is in ZIP code 75115.

For 2 bedrooms it is $1,790: $17 less than the fair market rent for Dallas County ($1,807).

  • 75115 $1,790$2,250

A ZIP code counts for DeSoto 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 DeSoto

HUD lists 5 buildings with rents for lower incomes in DeSoto. These are the largest.

  • Primrose Park at Rolling Hills 2500 Bolton Boone DR, Desoto 75115 250 low-income homes · 1 bd: 98 · 2 bd: 152 · In service since 2001
  • Courtyards at Kirnwood 2600 Bolton Boone Dr, Desoto 75115 198 low-income homes · 1 bd: 119 · 2 bd: 79 · In service since 1997
  • Wintergreen Senior Apts 400 E Wintergreen Rd, Desoto 75115 180 low-income homes · In service since 2003 · For older adults
  • Cedar Green Living Center 1020 Pecan Crossing Dr, Desoto 75115 105 homes, 104 low-income · For people with disabilities (972) 224-9291
  • Hickory Manor Apts 1626 Old Hickory Trl, Desoto 75115 190 homes

See all 249 buildings in Dallas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in DeSoto

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.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in DeSoto

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

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

  • NSC (naca Counseling Subsidiary) - Dallas, TX

    5787 S Hampton Rd Ste 115, Dallas · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (972) 283-1171

  • Operation Hope - Dallas Texas

    1150 W Kiest Blvd, Dallas · 7 miles away · Spanish

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (256) 384-6720

  • BCL of Texas (business and Community Lenders)

    400 S Zang Blvd Ste 1220, Dallas · 10 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (214) 688-7456

Every agency in Dallas County All counseling agencies in Texas

Help in Spanish near DeSoto

3 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 DeSoto

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

  • Dallas County Housing Assistance Program Section 8 vouchers (214) 819-1871

4 other authorities have an office in Dallas County: see the list Source: HUD

Cities

Other cities in Dallas County

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

Everything about Dallas County Housing in Texas
See 10 more cities in Dallas County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Dallas 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 DeSoto.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about DeSoto

Short answers with the numbers for DeSoto 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 DeSoto?

The typical home value in DeSoto is $319,400, 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 DeSoto?

Typical rent in DeSoto is $1,666 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 DeSoto?

DeSoto 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 DeSoto?

The typical homeowner in DeSoto pays $5,316 a year, according to the U.S. Census Bureau. That is 1.66% of the home’s value; in Dallas County, the rate is 1.58%.

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

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.

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).