In Garland, a typical home is worth $270,800 and typical rent is $1,641 a month. Compared with all of Dallas County, the typical home value is 11% lower and the share of households that own their home is 11 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $250,164 to $280,515.
Typical rent
$1,560a month
▼ 0.7% less than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,389 to $1,560.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Garland 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
62% of households in Garland own their home, against 51% in Dallas County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Garland
What homes there are in Garland, 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
Garland
Dallas County
Texas
United States
Kind of home: Garland and its comparisons
Measure
Garland
Dallas County
Texas
United States
Detached house
68%
52%
64%
61%
Attached house
3%
4%
3%
6%
Building of 2 to 4
4%
6%
5%
8%
Apartments (5 or more)
24%
37%
21%
19%
Mobile home
Unreliable estimate
2%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Garland, 7 in 10 homes are single-family detached houses; in Dallas County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or later
Garland
Dallas County
Texas
United States
Year built: Garland and its comparisons
Measure
Garland
Dallas County
Texas
United States
Before 1960
11%
17%
12%
26%
1960–1979
44%
28%
21%
24%
1980–1999
27%
28%
28%
25%
2000–2009
8%
13%
18%
14%
2010 or later
11%
14%
21%
11%
The typical home in Garland was built in 1978, 5 years before the typical one in Dallas County.
Homes in Garland are bigger: 66% 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–$200K18%
$200K–$300K38%
$300K–$500K34%
$500K–$750K5%
FHA limit: $563,500
$750K–$1M1%
$1M or moreUnreliable
Value of owner-occupied homes: Garland and its comparisons
Measure
Garland
Under $100K
4%
$100K–$200K
18%
$200K–$300K
38%
$300K–$500K
34%
$500K–$750K
5%
$750K–$1M
1%
$1M or more
Unreliable estimate
By price, most homes in Garland sit under the FHA limit for Dallas County ($563,500): about 95%.
Monthly rent with utilities
Under the limitOver the limit
Under $5001%
$500–$9996%
$1,000–$1,49932%
$1,500–$1,99937%
HUD fair market rent, 2 bedrooms: $1,807
$2,000–$2,49919%
$2,500–$2,9994%
$3,000 or more1%
Monthly rent with utilities: Garland and its comparisons
Measure
Garland
Under $500
1%
$500–$999
6%
$1,000–$1,499
32%
$1,500–$1,999
37%
$2,000–$2,499
19%
$2,500–$2,999
4%
$3,000 or more
1%
About 62% of rented homes in Garland cost less than HUD's 2-bedroom fair market rent for Dallas County ($1,807); the rest cost more.
With a mortgage
$1,919 a month
Dallas County: $2,166 a month
Without a mortgage
$786 a month
Dallas County: $793 a month
Owners with a mortgage
58%
Dallas County: 57%
Owning costs less in Garland: with a mortgage, the typical cost is $1,919 a month; in Dallas County, $2,166. Without one, $786.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Garland+68%
Dallas County+73%
Texas+65%
United States+53%
Typical rent
Garland+45%
Dallas County+42%
Texas+34%
United States+33%
Typical household income
Garland+25%
Dallas County+28%
Texas+27%
United States+29%
Change since 2015–2019: Garland and its comparisons
Measure
Garland
Dallas County
Texas
United States
Typical home value
+68%
+73%
+65%
+53%
Typical rent
+45%
+42%
+34%
+33%
Typical household income
+25%
+28%
+27%
+29%
The typical home value in Garland rose 68% since 2015–2019, less than in Dallas County (73%).
Since 2015–2019, the typical rent in Garland rose 45%, more than in Dallas County (42%).
The typical household income in Garland rose 25%: less than home values (+68%) and rent (+45%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Garland and its comparisons
Measure
Garland
Dallas County
Texas
United States
Rental vacancy
6.4%
9.1%
7.7%
5.5%
Homeowner vacancy
0.6%
0.9%
1.1%
0.9%
More than one person per room
7.5%
6.2%
4.8%
3.4%
People per household
3.00
2.63
2.69
2.53
Drive alone
73%
68%
71%
69%
Carpool
12%
12%
10%
9%
Public transit
1%
1%
1%
3%
Walk or bike
1%
2%
2%
3%
Work from home
12%
16%
14%
15%
Other means
1%
1%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Garland is 6.4%, lower than in Dallas County (9.1%).
More households are short on space in Garland: 7.5% have more than one person per room; in Dallas County, 6.2%.
On average, a household in Garland has 3.00 people, more than in Dallas County (2.63).
The car rules in Garland: 73% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.
Do the math
What would you pay each month for a home in Garland?
A typical home costs more than the typical income allows
We start with a typical home in Garland, worth $270,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Garland, which is $76,320 a year. For that payment to be 28% of income, a household would need to earn about $102,350 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 Garland. 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 $9,478 (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
$2,388
at 7.18% · 30 years
Loan amount
$265,895
Total interest
$382,561
Paid off in
November 2056
Includes $4,573 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,781 a month
Tight
$1,781 to $2,290 a month
Hard
more than $2,290 a month
Your payment · 38%
Compared with the typical household income in Garland ($76,320 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,801
Property tax
$354
Home insurance
$113
FHA mortgage insurance (MIP)
$120
You need at least $9,478 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 $2,388; principal and interest $1,801.
The city and its county
Garland and Dallas County
Garland 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).
Garland
Map of Dallas County, Texas, with Garland marked. Around it, the neighboring counties.
Garland
Dallas County
Other cities with a page
Garland's own numbers
Typical home value
$270,800
Typical monthly rent
$1,641
Typical yearly household income
$76,320
Households that own their home
62%
Effective property tax rate
1.57%
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 Garland is worth $270,800: 11% below the county and 5% below Texas. With the typical household income in Garland ($76,320 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.
Garland3.5 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
Garland 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
Garland$270,800
Dallas$303,000
Texas$283,800
United States$332,700
Typical monthly rent
Garland$1,641
Dallas$1,565
Texas$1,403
United States$1,413
Typical yearly household income
Garland$76,320
Dallas$76,547
Texas$78,476
United States$80,734
See the full table
Garland next to Dallas County and Texas
Measure
Garland
Dallas County
Texas
U.S.
Typical home value
$270,800 ▼11% below the county
$303,000
$283,800
$332,700
Typical monthly rent
$1,641 ▲5% above the county
$1,565
$1,403
$1,413
Typical yearly household income
$76,320
$76,547
$78,476
$80,734
Households that own their home
62% ▲11 points above the county
51%
63%
65%
Typical yearly property tax
$4,263 ▼11% below the county
$4,798
$4,232
$3,119
Effective property tax rate
1.57% ▼0.01 points below the county
1.58%
1.49%
0.94%
Renters with high rent for their income
58% ▲6 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 Garland
For a typical $270,800 home in Garland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Garland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,388a month
Least cash to close
Down payment
$9,478
Cash to close
$17,602
Rate
7.18%
Mortgage insurance
FHA MIP · $120
Conventional, 5% down$2,339a month
Down payment
$13,540
Cash to close
$21,664
Rate
7.18%
Mortgage insurance
PMI · $129
Conventional, 20% down, no PMI$1,935a month
Down payment
$54,160
Cash to close
$62,284
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,185a month
Down payment
$40,620
Cash to close
$48,744
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Garland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,388
$9,478
$265,895
7.18%
FHA MIP · $120
$17,602
580
Conventional, 5% down
$2,339
$13,540
$257,260
7.18%
PMI · $129
$21,664
620*
Conventional, 20% down, no PMI
$1,935
$54,160
$216,640
7.18%
None
$62,284
620*
ITIN, 15% down (example)
$2,185
$40,620
$230,180
8.18%
None
$48,744
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 Garland is $1,641 a month: 5% above the county. In Garland, 58% 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 Garland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Garland has 5 ZIP codes with their own.
For 2 bedrooms it runs from $1,550 in 75042 to $1,990 in 75044.
2 of the 5 are above the fair market rent for Dallas County ($1,807).
2-bedroom fair market rent in each of the 5 ZIP codes of Garland, beside the one for Dallas County. For 2 bedrooms it runs from $1,550 in 75042 to $1,990 in 75044. 2 of the 5 are above the fair market rent for Dallas County ($1,807).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,807
Lowest: $1,550 (75042)Highest: $1,990 (75044)
Fair market rent by ZIP code and size in Garland, fiscal year 2027.
75040
$1,570
$1,610
$1,900
$2,390
$3,040
75041
$1,300
$1,340
$1,580
$1,990
$2,530
75042
$1,280
$1,320
$1,550
$1,950
$2,480
75043
$1,440
$1,480
$1,740
$2,190
$2,780
75044
$1,640
$1,690
$1,990
$2,510
$3,190
ZIP code2 bd3 bd
75040 $1,900$2,390
75041 $1,580$1,990
75042 $1,550$1,950
75043 $1,740$2,190
75044 $1,990$2,510
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Garland 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 Garland or Dallas County. The ones below are statewide in Texas: they work in Garland 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 Garland 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 Garland 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 Garland?
The typical home value in Garland is $270,800, 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 Garland?
Typical rent in Garland is $1,641 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 Garland?
Garland 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 Garland?
The typical homeowner in Garland pays $4,263 a year, according to the U.S. Census Bureau. That is 1.57% of the home’s value; in Dallas County, the rate is 1.58%.
Where can I find free help to buy or rent in Garland?
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.
