In Irving, a typical home is worth $315,600 and typical rent is $1,619 a month. Compared with all of Dallas County, typical household income is 7% higher and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $289,855 to $337,610.
Typical rent
$1,595a month
▲ 1.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,475 to $1,595.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Irving 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
Irving has the 9th lowest homeownership rate of the 426 cities in Texas with more than 5,000 people (38%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Irving
What homes there are in Irving, 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
Irving
Dallas County
Texas
United States
Kind of home: Irving and its comparisons
Measure
Irving
Dallas County
Texas
United States
Detached house
39%
52%
64%
61%
Attached house
4%
4%
3%
6%
Building of 2 to 4
8%
6%
5%
8%
Apartments (5 or more)
48%
37%
21%
19%
Mobile home
2%
2%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
There are more apartments in Irving than in Dallas County: 48% of homes, against 37%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Irving
Dallas County
Texas
United States
Year built: Irving and its comparisons
Measure
Irving
Dallas County
Texas
United States
Before 1960
11%
17%
12%
26%
1960–1979
25%
28%
21%
24%
1980–1999
37%
28%
28%
25%
2000–2009
14%
13%
18%
14%
2010 or later
14%
14%
21%
11%
In Irving, half of the homes were built before 1986; in Dallas County, before 1983.
There are fewer big homes in Irving than in Dallas County: 41% have 3 bedrooms or more, against 51%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K5%
$100K–$200K14%
$200K–$300K27%
$300K–$500K32%
$500K–$750K13%
FHA limit: $563,500
$750K–$1M6%
$1M or more3%
Value of owner-occupied homes: Irving and its comparisons
Measure
Irving
Under $100K
5%
$100K–$200K
14%
$200K–$300K
27%
$300K–$500K
32%
$500K–$750K
13%
$750K–$1M
6%
$1M or more
3%
By price, most homes in Irving sit under the FHA limit for Dallas County ($563,500): about 82%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9995%
$1,000–$1,49936%
$1,500–$1,99935%
$2,000–$2,49917%
$2,500–$2,9994%
$3,000 or more3%
Monthly rent with utilities: Irving and its comparisons
Measure
Irving
Under $500
Unreliable estimate
$500–$999
5%
$1,000–$1,499
36%
$1,500–$1,999
35%
$2,000–$2,499
17%
$2,500–$2,999
4%
$3,000 or more
3%
With a mortgage
$2,243 a month
Dallas County: $2,166 a month
Without a mortgage
$827 a month
Dallas County: $793 a month
Owners with a mortgage
58%
Dallas County: 57%
In Irving, 58% of owners have a mortgage; their typical cost is $2,243 a month, about the same as in Dallas County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Irving+78%
Dallas County+73%
Texas+65%
United States+53%
Typical rent
Irving+41%
Dallas County+42%
Texas+34%
United States+33%
Typical household income
Irving+26%
Dallas County+28%
Texas+27%
United States+29%
Change since 2015–2019: Irving and its comparisons
Measure
Irving
Dallas County
Texas
United States
Typical home value
+78%
+73%
+65%
+53%
Typical rent
+41%
+42%
+34%
+33%
Typical household income
+26%
+28%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Irving rose 78%; in Dallas County, it rose 73%.
Rents in Irving rose at about the same pace as in Dallas County: 41% since 2015–2019, against 42%.
The typical household income in Irving rose 26%: less than home values (+78%) and rent (+41%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Irving and its comparisons
Measure
Irving
Dallas County
Texas
United States
Rental vacancy
7.9%
9.1%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.1%
0.9%
More than one person per room
8.9%
6.2%
4.8%
3.4%
People per household
2.69
2.63
2.69
2.53
Drive alone
66%
68%
71%
69%
Carpool
11%
12%
10%
9%
Public transit
1%
1%
1%
3%
Walk or bike
1%
2%
2%
3%
Work from home
20%
16%
14%
15%
Other means
2%
1%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
There is little rental housing open in Irving: only 7.9% is empty and offered for rent, against 9.1% in Dallas County.
More households are short on space in Irving: 8.9% have more than one person per room; in Dallas County, 6.2%.
Much as in Dallas County, a household in Irving has 2.69 people on average.
Working from home is more common in Irving: 20%, against 16% in Dallas County.
Do the math
What would you pay each month for a home in Irving?
A typical home costs more than the typical income allows
We start with a typical home in Irving, worth $315,600, 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 Irving, which is $81,830 a year. For that payment to be 28% of income, a household would need to earn about $118,606 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 Irving. 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 $11,046 (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
$2,768
at 7.18% · 30 years
Loan amount
$309,884
Total interest
$445,850
Paid off in
November 2056
Includes $5,330 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,909 a month
Tight
$1,909 to $2,455 a month
Hard
more than $2,455 a month
Your payment · 41%
Compared with the typical household income in Irving ($81,830 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,099
Property tax
$397
Home insurance
$132
FHA mortgage insurance (MIP)
$140
You need at least $11,046 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 $2,768; principal and interest $2,099.
The city and its county
Irving and Dallas County
Irving 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).
Irving
Map of Dallas County, Texas, with Irving marked. Around it, the neighboring counties.
Irving
Dallas County
Other cities with a page
Irving's own numbers
Typical home value
$315,600
Typical monthly rent
$1,619
Typical yearly household income
$81,830
Households that own their home
38%
Effective property tax rate
1.51%
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 Irving is worth $315,600: 4% above the county and 11% above Texas. With the typical household income in Irving ($81,830 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.
Irving3.9 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
Irving 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
Irving$315,600
Dallas$303,000
Texas$283,800
United States$332,700
Typical monthly rent
Irving$1,619
Dallas$1,565
Texas$1,403
United States$1,413
Typical yearly household income
Irving$81,830
Dallas$76,547
Texas$78,476
United States$80,734
See the full table
Irving next to Dallas County and Texas
Measure
Irving
Dallas County
Texas
U.S.
Typical home value
$315,600 ▲4% above the county
$303,000
$283,800
$332,700
Typical monthly rent
$1,619 ▲3% above the county
$1,565
$1,403
$1,413
Typical yearly household income
$81,830 ▲7% above the county
$76,547
$78,476
$80,734
Households that own their home
38% ▼13 points below the county
51%
63%
65%
Typical yearly property tax
$4,752
$4,798
$4,232
$3,119
Effective property tax rate
1.51% ▼0.07 points below the county
1.58%
1.49%
0.94%
Renters with high rent for their income
45% ▼7 points below 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 Irving
For a typical $315,600 home in Irving, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Irving's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,767a month
Least cash to close
Down payment
$11,046
Cash to close
$20,514
Rate
7.18%
Mortgage insurance
FHA MIP · $140
Conventional, 5% down$2,710a month
Down payment
$15,780
Cash to close
$25,248
Rate
7.18%
Mortgage insurance
PMI · $150
Conventional, 20% down, no PMI$2,239a month
Down payment
$63,120
Cash to close
$72,588
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,531a month
Down payment
$47,340
Cash to close
$56,808
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Irving
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,767
$11,046
$309,884
7.18%
FHA MIP · $140
$20,514
580
Conventional, 5% down
$2,710
$15,780
$299,820
7.18%
PMI · $150
$25,248
620*
Conventional, 20% down, no PMI
$2,239
$63,120
$252,480
7.18%
None
$72,588
620*
ITIN, 15% down (example)
$2,531
$47,340
$268,260
8.18%
None
$56,808
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 Irving is $1,619 a month: 3% above the county. In Irving, 45% 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 Irving
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Irving has 6 ZIP codes with their own.
For 2 bedrooms it runs from $1,590 in 75061 to $2,510 in 75039.
3 of the 6 are above the fair market rent for Dallas County ($1,807).
2-bedroom fair market rent in each of the 6 ZIP codes of Irving, beside the one for Dallas County. For 2 bedrooms it runs from $1,590 in 75061 to $2,510 in 75039. 3 of the 6 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: $1,590 (75061)Highest: $2,510 (75039)
Fair market rent by ZIP code and size in Irving, fiscal year 2027.
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 Irving or Dallas County. The ones below are statewide in Texas: they work in Irving 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 Irving 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 Irving 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 Irving?
The typical home value in Irving is $315,600, 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 Irving?
Typical rent in Irving is $1,619 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 Irving?
Irving 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 Irving?
The typical homeowner in Irving pays $4,752 a year, according to the U.S. Census Bureau. That is 1.51% of the home’s value; in Dallas County, the rate is 1.58%.
Where can I find free help to buy or rent in Irving?
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.
