In Flower Mound, a typical home is worth $560,200 and typical rent is $2,231 a month. Compared with all of Denton County, typical household income is 45% higher, typical rent is 29% higher, and the share of households that own their home is 17 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $497,336 to $599,753.
Typical rent
$2,298a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,049 to $2,298.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Flower Mound 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
The typical household income in Flower Mound is $161,235,45% more than in Denton County as a whole ($111,498).
2
82% of households in Flower Mound own their home, against 65% in Denton County.
3
The typical rent in Flower Mound is $2,231 a month, 29% more than in Denton County as a whole ($1,728).
4
The typical home in Flower Mound is worth $560,200,28% more than in Denton County as a whole ($437,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Flower Mound
What homes there are in Flower Mound, 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
Flower Mound
Denton County
Texas
United States
Kind of home: Flower Mound and its comparisons
Measure
Flower Mound
Denton County
Texas
United States
Detached house
86%
69%
64%
61%
Attached house
2%
3%
3%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
11%
22%
21%
19%
Mobile home
Unreliable estimate
2%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Flower Mound: 86% of homes, more than in Denton County (69%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Flower Mound
Denton County
Texas
United States
Year built: Flower Mound and its comparisons
Measure
Flower Mound
Denton County
Texas
United States
Before 1960
Unreliable estimate
3%
12%
26%
1960–1979
4%
10%
21%
24%
1980–1999
56%
31%
28%
25%
2000–2009
19%
25%
18%
14%
2010 or later
21%
33%
21%
11%
In Flower Mound, half of the homes were built before 1997; in Denton County, before 2003.
In Flower Mound, 86% of homes have 3 bedrooms or more, more than in Denton County (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–$200K1%
$200K–$300K5%
$300K–$500K33%
$500K–$750K36%
FHA limit: $563,500
$750K–$1M14%
$1M or more9%
Value of owner-occupied homes: Flower Mound and its comparisons
Measure
Flower Mound
Under $100K
2%
$100K–$200K
1%
$200K–$300K
5%
$300K–$500K
33%
$500K–$750K
36%
$750K–$1M
14%
$1M or more
9%
The FHA limit for Denton County is $563,500: about 50% of owner-occupied homes in Flower Mound are worth less, and the rest more.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,4997%
$1,500–$1,99927%
$2,000–$2,49925%
$2,500–$2,99920%
$3,000 or more17%
Monthly rent with utilities: Flower Mound and its comparisons
Measure
Flower Mound
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
7%
$1,500–$1,999
27%
$2,000–$2,499
25%
$2,500–$2,999
20%
$3,000 or more
17%
With a mortgage
$3,001 a month
Denton County: $2,676 a month
Without a mortgage
$1,256 a month
Denton County: $1,045 a month
Owners with a mortgage
70%
Denton County: 71%
The typical cost for an owner with a mortgage in Flower Mound is $3,001 a month, more than in Denton County ($2,676); without one, $1,256.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Flower Mound+55%
Denton County+57%
Texas+65%
United States+53%
Typical rent
Flower Mound+29%
Denton County+42%
Texas+34%
United States+33%
Typical household income
Flower Mound+17%
Denton County+28%
Texas+27%
United States+29%
Change since 2015–2019: Flower Mound and its comparisons
Measure
Flower Mound
Denton County
Texas
United States
Typical home value
+55%
+57%
+65%
+53%
Typical rent
+29%
+42%
+34%
+33%
Typical household income
+17%
+28%
+27%
+29%
The typical home value in Flower Mound rose 55% since 2015–2019, about the same as in Denton County (57%).
Rents in Flower Mound rose more slowly than in Denton County: 29% since 2015–2019, against 42%.
The typical household income in Flower Mound rose 17%: less than home values (+55%) and rent (+29%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Flower Mound and its comparisons
Measure
Flower Mound
Denton County
Texas
United States
Rental vacancy
6.9%
4.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.1%
0.9%
More than one person per room
1.7%
2.9%
4.8%
3.4%
People per household
2.78
2.68
2.69
2.53
Drive alone
64%
66%
71%
69%
Carpool
5%
8%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
29%
24%
14%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
There is more rental housing open in Flower Mound: 6.9% is empty and offered for rent, against 4.8% in Denton County.
In Flower Mound, 1.7% of households live with more than one person per room, against 2.9% in Denton County.
By size, households in Flower Mound look like those in Denton County: 2.78 people on average.
Many people here do not commute at all: 29% work from home; in Denton County, 24%.
Do the math
What would you pay each month for a home in Flower Mound?
A typical home costs more than the typical income allows
We start with a typical home in Flower Mound, worth $560,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Flower Mound, which is $161,235 a year. For that payment to be 28% of income, a household would need to earn about $209,929 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 Flower Mound. 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 $19,607 (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
$4,898
at 7.18% · 30 years
Loan amount
$550,053
Total interest
$791,398
Paid off in
November 2056
Includes $9,460 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,762 a month
Tight
$3,762 to $4,837 a month
Hard
more than $4,837 a month
Your payment · 36%
Compared with the typical household income in Flower Mound ($161,235 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,726
Property tax
$691
Home insurance
$233
FHA mortgage insurance (MIP)
$248
You need at least $19,607 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 $4,898; principal and interest $3,726.
The city and its county
Flower Mound and Denton County
Flower Mound 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).
Flower Mound
Map of Denton County, Texas, with Flower Mound marked. Around it, the neighboring counties.
Flower Mound
Denton County
Other cities with a page
Flower Mound's own numbers
Typical home value
$560,200
Typical monthly rent
$2,231
Typical yearly household income
$161,235
Households that own their home
82%
Effective property tax rate
1.48%
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 Flower Mound is worth $560,200: 28% above the county and 97% above Texas. With the typical household income in Flower Mound ($161,235 a year), a typical home costs 3.5 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.
Flower Mound3.5 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
Flower Mound 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
Flower Mound$560,200
Denton$437,200
Texas$283,800
United States$332,700
Typical monthly rent
Flower Mound$2,231
Denton$1,728
Texas$1,403
United States$1,413
Typical yearly household income
Flower Mound$161,235
Denton$111,498
Texas$78,476
United States$80,734
See the full table
Flower Mound next to Denton County and Texas
Measure
Flower Mound
Denton County
Texas
U.S.
Typical home value
$560,200 ▲28% above the county
$437,200
$283,800
$332,700
Typical monthly rent
$2,231 ▲29% above the county
$1,728
$1,403
$1,413
Typical yearly household income
$161,235 ▲45% above the county
$111,498
$78,476
$80,734
Households that own their home
82% ▲17 points above the county
65%
63%
65%
Typical yearly property tax
$8,300 ▲18% above the county
$7,055
$4,232
$3,119
Effective property tax rate
1.48% ▼0.13 points below the county
1.61%
1.49%
0.94%
Renters with high rent for their income
46% ▼5 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 Flower Mound
For a typical $560,200 home in Flower Mound, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Flower Mound's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,898a month
Least cash to close
Down payment
$19,607
Cash to close
$36,413
Rate
7.18%
Mortgage insurance
FHA MIP · $248
Conventional, 5% down$4,796a month
Down payment
$28,010
Cash to close
$44,816
Rate
7.18%
Mortgage insurance
PMI · $266
Conventional, 20% down, no PMI$3,960a month
Down payment
$112,040
Cash to close
$128,846
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,478a month
Down payment
$84,030
Cash to close
$100,836
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Flower Mound
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,898
$19,607
$550,053
7.18%
FHA MIP · $248
$36,413
580
Conventional, 5% down
$4,796
$28,010
$532,190
7.18%
PMI · $266
$44,816
620*
Conventional, 20% down, no PMI
$3,960
$112,040
$448,160
7.18%
None
$128,846
620*
ITIN, 15% down (example)
$4,478
$84,030
$476,170
8.18%
None
$100,836
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 Flower Mound is $2,231 a month: 29% above the county. In Flower Mound, 46% 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 Flower Mound
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Flower Mound has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,420 in 75022 to $2,580 in 75028.
2 of the 2 are above the fair market rent for Denton County ($1,807).
Fair market rent by ZIP code and size in Flower Mound, fiscal year 2027.
75022
$1,990
$2,070
$2,420
$3,060
$3,870
75028
$2,130
$2,190
$2,580
$3,250
$4,130
ZIP code2 bd3 bd
75022 $2,420$3,060
75028 $2,580$3,250
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Flower Mound 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.
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 Flower Mound or Denton County. The ones below are statewide in Texas: they work in Flower Mound 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).
The HUD-approved agencies closest to the center of Flower Mound, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CA
Credit.org - Arlington, TX Branch
2000 E Lamar Blvd, Arlington · 19 miles away · Spanish
No legal help resource on our list is for Flower Mound 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 Flower Mound 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 Flower Mound?
The typical home value in Flower Mound is $560,200, 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 Flower Mound?
Typical rent in Flower Mound is $2,231 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 Flower Mound?
Flower Mound 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 Flower Mound?
The typical homeowner in Flower Mound pays $8,300 a year, according to the U.S. Census Bureau. That is 1.48% of the home’s value; in Denton County, the rate is 1.61%.
Where can I find free help to buy or rent in Flower Mound?
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.
