In Midlothian, a typical home is worth $411,800 and typical rent is $2,013 a month. Compared with all of Ellis County, typical household income is 27% higher and typical rent is 26% higher.
Typical home value from Zillow, September 2021 to September 2026: from $401,434 to $452,210.
Typical rent
$1,908a month
▲ 1% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,649 to $1,908.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Midlothian is in Ellis 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 Ellis County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Venus, the typical home value is $270,500: 34% less than in Midlothian ($411,800).
2
The typical household income in Midlothian is $126,641,27% more than in Ellis County as a whole ($99,595).
3
The typical rent in Midlothian is $2,013 a month, 26% more than in Ellis County as a whole ($1,594).
4
Nearby, in Waxahachie, the typical rent is $1,618: 20% less than in Midlothian ($2,013).
5
The typical home in Midlothian is worth $411,800,18% more than in Ellis County as a whole ($348,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Midlothian
What homes there are in Midlothian, 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
Midlothian
Ellis County
Texas
United States
Kind of home: Midlothian and its comparisons
Measure
Midlothian
Ellis County
Texas
United States
Detached house
85%
78%
64%
61%
Attached house
2%
2%
3%
6%
Building of 2 to 4
Unreliable estimate
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
9%
21%
19%
Mobile home
3%
8%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Midlothian, 8 in 10 homes are single-family detached houses; in Ellis County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Midlothian
Ellis County
Texas
United States
Year built: Midlothian and its comparisons
Measure
Midlothian
Ellis County
Texas
United States
Before 1960
3%
8%
12%
26%
1960–1979
8%
14%
21%
24%
1980–1999
18%
24%
28%
25%
2000–2009
31%
23%
18%
14%
2010 or later
40%
31%
21%
11%
The typical home in Midlothian was built in 2007, 5 years after the typical one in Ellis County.
Homes in Midlothian are bigger: 84% have 3 bedrooms or more; in Ellis County, 78%.
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 $100K5%
$100K–$200K5%
$200K–$300K14%
$300K–$500K47%
$500K–$750K23%
FHA limit: $563,500
$750K–$1M6%
$1M or moreUnreliable
Value of owner-occupied homes: Midlothian and its comparisons
Measure
Midlothian
Under $100K
5%
$100K–$200K
5%
$200K–$300K
14%
$300K–$500K
47%
$500K–$750K
23%
$750K–$1M
6%
$1M or more
Unreliable estimate
The FHA loan limit for Ellis County is $563,500, and about 76% of owner-occupied homes in Midlothian are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49915%
$1,500–$1,99925%
$2,000–$2,49936%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Midlothian and its comparisons
Measure
Midlothian
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
15%
$1,500–$1,999
25%
$2,000–$2,499
36%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,558 a month
Ellis County: $2,258 a month
Without a mortgage
$885 a month
Ellis County: $789 a month
Owners with a mortgage
73%
Ellis County: 63%
Owning costs more in Midlothian: with a mortgage, the typical cost is $2,558 a month; in Ellis County, $2,258. Without one, $885.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Midlothian+81%
Ellis County+82%
Texas+65%
United States+53%
Typical rent
Midlothian+69%
Ellis County+51%
Texas+34%
United States+33%
Typical household income
Midlothian+33%
Ellis County+30%
Texas+27%
United States+29%
Change since 2015–2019: Midlothian and its comparisons
Measure
Midlothian
Ellis County
Texas
United States
Typical home value
+81%
+82%
+65%
+53%
Typical rent
+69%
+51%
+34%
+33%
Typical household income
+33%
+30%
+27%
+29%
Much as in Ellis County, the typical home value in Midlothian rose 81% since 2015–2019.
The typical rent in Midlothian rose 69% over the same time; in Ellis County, it rose 51%.
Here income did not keep up with housing: it rose 33%, while home values changed +81% and rent +69%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Midlothian and its comparisons
Measure
Midlothian
Ellis County
Texas
United States
Rental vacancy
Unreliable estimate
3.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.6%
4.8%
3.4%
People per household
3.01
2.94
2.69
2.53
Drive alone
77%
77%
71%
69%
Carpool
6%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
16%
12%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
30 to 39 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Midlothian look like those in Ellis County: 3.01 people on average.
In Midlothian, 16% of workers work from home, more than in Ellis County (12%).
Do the math
What would you pay each month for a home in Midlothian?
A typical home is tight for the typical income
We start with a typical home in Midlothian, worth $411,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Midlothian, which is $126,641 a year. For that payment to be 28% of income, a household would need to earn about $155,348 a year.
The calculator's FHA and conventional loan limits are those of all of Ellis 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 Midlothian. 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 $14,413 (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
$3,625
at 7.18% · 30 years
Loan amount
$404,341
Total interest
$581,752
Paid off in
November 2056
Includes $6,954 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,955 a month
Tight
$2,955 to $3,799 a month
Your payment · 34%
Hard
more than $3,799 a month
Compared with the typical household income in Midlothian ($126,641 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,739
Property tax
$532
Home insurance
$172
FHA mortgage insurance (MIP)
$182
You need at least $14,413 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 $3,625; principal and interest $2,739.
The city and its county
Midlothian and Ellis County
Midlothian is in Ellis 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).
Midlothian
Map of Ellis County, Texas, with Midlothian marked. Around it, the neighboring counties.
Midlothian
Ellis County
Other cities with a page
Midlothian's own numbers
Typical home value
$411,800
Typical monthly rent
$2,013
Typical yearly household income
$126,641
Households that own their home
80%
Effective property tax rate
1.55%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ellis 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)
+50%
Homes in a high flood-risk zone
1.5%
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 Ellis County.
A typical home in Midlothian is worth $411,800: 18% above the county and 45% above Texas. With the typical household income in Midlothian ($126,641 a year), a typical home costs 3.3 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.
Midlothian3.3 years
Ellis3.5 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ellis County
According to FHFA’s house price index, home prices in Ellis County rose 113% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ellis County.
Yearly change in FHFA’s price index in Ellis County, 2016 to 2025
2016: +9.9% +9.9% 2016
2017: +9.7% +9.7% 2017
2018: +8.0% +8.0% 2018
2019: +5.5% +5.5% 2019
2020: +3.6% +3.6% 2020
2021: +15.3% +15.3% 2021
2022: +22.2% +22.2% 2022
2023: +4.6% +4.6% 2023
2024: +1.7% +1.7% 2024
2025: −0.3% −0.3% 2025
Change in FHFA’s price index in Ellis County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.3%
+0.8%
+2.9%
5 years (2020–2025)
+50%
+44%
+47%
10 years (2015–2025)
+113%
+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
Midlothian next to Ellis 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
Midlothian$411,800
Ellis$348,600
Texas$283,800
United States$332,700
Typical monthly rent
Midlothian$2,013
Ellis$1,594
Texas$1,403
United States$1,413
Typical yearly household income
Midlothian$126,641
Ellis$99,595
Texas$78,476
United States$80,734
See the full table
Midlothian next to Ellis County and Texas
Measure
Midlothian
Ellis County
Texas
U.S.
Typical home value
$411,800 ▲18% above the county
$348,600
$283,800
$332,700
Typical monthly rent
$2,013 ▲26% above the county
$1,594
$1,403
$1,413
Typical yearly household income
$126,641 ▲27% above the county
$99,595
$78,476
$80,734
Households that own their home
80% ▲4 points above the county
76%
63%
65%
Typical yearly property tax
$6,386 ▲36% above the county
$4,697
$4,232
$3,119
Effective property tax rate
1.55% ▲0.2 points above the county
1.35%
1.49%
0.94%
Renters with high rent for their income
50% ▼1 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 Ellis 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 Midlothian
For a typical $411,800 home in Midlothian, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Midlothian's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,625a month
Least cash to close
Down payment
$14,413
Cash to close
$26,767
Rate
7.18%
Mortgage insurance
FHA MIP · $182
Conventional, 5% down$3,549a month
Down payment
$20,590
Cash to close
$32,944
Rate
7.18%
Mortgage insurance
PMI · $196
Conventional, 20% down, no PMI$2,935a month
Down payment
$82,360
Cash to close
$94,714
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,316a month
Down payment
$61,770
Cash to close
$74,124
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Midlothian
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,625
$14,413
$404,341
7.18%
FHA MIP · $182
$26,767
580
Conventional, 5% down
$3,549
$20,590
$391,210
7.18%
PMI · $196
$32,944
620*
Conventional, 20% down, no PMI
$2,935
$82,360
$329,440
7.18%
None
$94,714
620*
ITIN, 15% down (example)
$3,316
$61,770
$350,030
8.18%
None
$74,124
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 Midlothian is $2,013 a month: 26% above the county. In Midlothian, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ellis 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 Ellis 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 Midlothian
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Midlothian is in ZIP code 76065.
For 2 bedrooms it is $2,090: $283 more than the fair market rent for Ellis County ($1,807).
Fair market rent by ZIP code and size in Midlothian, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76065
$1,720
$1,780
$2,090
$2,630
$3,350
ZIP code2 bd3 bd
76065 $2,090$2,630
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Midlothian 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 Ellis 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 Midlothian or Ellis County. The ones below are statewide in Texas: they work in Midlothian 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 Midlothian or Ellis 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 Midlothian and all of Ellis 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 Midlothian?
The typical home value in Midlothian is $411,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ellis County it is $348,600.
How much does it cost to rent in Midlothian?
Typical rent in Midlothian is $2,013 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ellis County is $1,807.
What is the FHA loan limit in Midlothian?
Midlothian uses the FHA limit for all of Ellis 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 Midlothian?
The typical homeowner in Midlothian pays $6,386 a year, according to the U.S. Census Bureau. That is 1.55% of the home’s value; in Ellis County, the rate is 1.35%.
Where can I find free help to buy or rent in Midlothian?
We found no HUD-approved counseling agencies with an office in Ellis County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
