In Northlake, a typical home is worth $565,600 and typical rent is $1,746 a month. Compared with all of Denton County, the typical home value is 29% higher and typical household income is 11% higher.
Typical home value from Zillow, September 2021 to September 2026: from $441,565 to $488,319.
Typical rent
$1,855a month
Typical rent from Zillow, December 2025 to September 2026: from $1,742 to $1,855.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Northlake 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
Nearby, in Justin, the typical home value is $406,800: 28% less than in Northlake ($565,600).
2
The typical home in Northlake is worth $565,600,29% more than in Denton County as a whole ($437,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Northlake
What homes there are in Northlake, 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
Northlake
Denton County
Texas
United States
Kind of home: Northlake and its comparisons
Measure
Northlake
Denton County
Texas
United States
Detached house
62%
69%
64%
61%
Attached house
Unreliable estimate
3%
3%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
22%
21%
19%
Mobile home
Unreliable estimate
2%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses are the majority in Northlake (62%), but less so than in Denton County (69%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Northlake
Denton County
Texas
United States
Year built: Northlake and its comparisons
Measure
Northlake
Denton County
Texas
United States
Before 1960
Unreliable estimate
3%
12%
26%
1960–1979
Unreliable estimate
10%
21%
24%
1980–1999
Unreliable estimate
31%
28%
25%
2000–2009
18%
25%
18%
14%
2010 or later
74%
33%
21%
11%
Homes in Northlake are newer: the typical year built is 2015; in Denton County, 2003.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K37%
$500K–$750K32%
$750K–$1M15%
$1M or more12%
Value of owner-occupied homes: Northlake and its comparisons
Measure
Northlake
Under $100K
Unreliable estimate
$100K–$200K
Unreliable
$200K–$300K
Unreliable estimate
$300K–$500K
37%
$500K–$750K
32%
$750K–$1M
15%
$1M or more
12%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99986%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Northlake and its comparisons
Measure
Northlake
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
86%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,219 a month
Denton County: $2,676 a month
Without a mortgage
$1,446 a month
Denton County: $1,045 a month
Owners with a mortgage
90%
Denton County: 71%
Owning costs more in Northlake: with a mortgage, the typical cost is $3,219 a month; in Denton County, $2,676. Without one, $1,446.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Northlake+32%
Denton County+57%
Texas+65%
United States+53%
Typical rent
Northlake+47%
Denton County+42%
Texas+34%
United States+33%
Typical household income
Northlake+34%
Denton County+28%
Texas+27%
United States+29%
Change since 2015–2019: Northlake and its comparisons
Measure
Northlake
Denton County
Texas
United States
Typical home value
+32%
+57%
+65%
+53%
Typical rent
+47%
+42%
+34%
+33%
Typical household income
+34%
+28%
+27%
+29%
The typical home value in Northlake rose 32% since 2015–2019, less than in Denton County (57%).
The typical rent in Northlake rose 47% over the same time; in Denton County, it rose 42%.
To compare: typical income in Northlake rose 34%; the home, +32%; the rent, +47%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Northlake and its comparisons
Measure
Northlake
Denton County
Texas
United States
Rental vacancy
Unreliable estimate
4.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.1%
0.9%
More than one person per room
Unreliable estimate
2.9%
4.8%
3.4%
People per household
2.87
2.68
2.69
2.53
Drive alone
77%
66%
71%
69%
Carpool
Unreliable estimate
8%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
17%
24%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.87 on average, against 2.68 in Denton County.
To get to work, 77% of workers in Northlake drive alone; in Denton County, 66%.
Do the math
What would you pay each month for a home in Northlake?
A typical home costs more than the typical income allows
We start with a typical home in Northlake, worth $565,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Northlake, which is $123,469 a year. For that payment to be 28% of income, a household would need to earn about $217,811 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 Northlake. 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 $19,796 (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
$5,082
at 7.18% · 30 years
Loan amount
$555,356
Total interest
$799,026
Paid off in
November 2056
Includes $9,552 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,881 a month
Tight
$2,881 to $3,704 a month
Hard
more than $3,704 a month
Your payment · 49%
Compared with the typical household income in Northlake ($123,469 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,762
Property tax
$834
Home insurance
$236
FHA mortgage insurance (MIP)
$250
You need at least $19,796 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 $5,082; principal and interest $3,762.
The city and its county
Northlake and Denton County
Northlake 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).
Northlake
Map of Denton County, Texas, with Northlake marked. Around it, the neighboring counties.
Northlake
Denton County
Other cities with a page
Northlake's own numbers
Typical home value
$565,600
Typical monthly rent
$1,746
Typical yearly household income
$123,469
Households that own their home
62%
Effective property tax rate
1.77%
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 Northlake is worth $565,600: 29% above the county and 99% above Texas. With the typical household income in Northlake ($123,469 a year), a typical home costs 4.6 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.
Northlake4.6 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
Northlake 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
Northlake$565,600
Denton$437,200
Texas$283,800
United States$332,700
Typical monthly rent
Northlake$1,746
Denton$1,728
Texas$1,403
United States$1,413
Typical yearly household income
Northlake$123,469
Denton$111,498
Texas$78,476
United States$80,734
See the full table
Northlake next to Denton County and Texas
Measure
Northlake
Denton County
Texas
U.S.
Typical home value
$565,600 ▲29% above the county
$437,200
$283,800
$332,700
Typical monthly rent
$1,746
$1,728
$1,403
$1,413
Typical yearly household income
$123,469 ▲11% above the county
$111,498
$78,476
$80,734
Households that own their home
62% ▼4 points below the county
65%
63%
65%
Typical yearly property tax
$10,001 ▲42% above the county
$7,055
$4,232
$3,119
Effective property tax rate
1.77% ▲0.16 points above the county
1.61%
1.49%
0.94%
“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 Northlake
For a typical $565,600 home in Northlake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Northlake's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,082a month
Least cash to close
Down payment
$19,796
Cash to close
$36,764
Rate
7.18%
Mortgage insurance
FHA MIP · $250
Conventional, 5% down$4,979a month
Down payment
$28,280
Cash to close
$45,248
Rate
7.18%
Mortgage insurance
PMI · $269
Conventional, 20% down, no PMI$4,135a month
Down payment
$113,120
Cash to close
$130,088
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,658a month
Down payment
$84,840
Cash to close
$101,808
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Northlake
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,082
$19,796
$555,356
7.18%
FHA MIP · $250
$36,764
580
Conventional, 5% down
$4,979
$28,280
$537,320
7.18%
PMI · $269
$45,248
620*
Conventional, 20% down, no PMI
$4,135
$113,120
$452,480
7.18%
None
$130,088
620*
ITIN, 15% down (example)
$4,658
$84,840
$480,760
8.18%
None
$101,808
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 Northlake is $1,746 a month: about the same as the county.
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 Northlake
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Northlake has 3 ZIP codes with their own.
For 2 bedrooms it runs from $2,030 in 76262 to $2,710 in 76226.
3 of the 3 are above the fair market rent for Denton County ($1,807).
2-bedroom fair market rent in each of the 3 ZIP codes of Northlake, beside the one for Denton County. For 2 bedrooms it runs from $2,030 in 76262 to $2,710 in 76226. 3 of the 3 are above the fair market rent for Denton 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: $2,030 (76262)Highest: $2,710 (76226)
Fair market rent by ZIP code and size in Northlake, fiscal year 2027.
76226
$2,240
$2,300
$2,710
$3,410
$4,340
76247
$1,990
$2,050
$2,410
$3,030
$3,850
76262
$1,680
$1,730
$2,030
$2,590
$3,280
ZIP code2 bd3 bd
76226 $2,710$3,410
76247 $2,410$3,030
76262 $2,030$2,590
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Northlake 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 Northlake or Denton County. The ones below are statewide in Texas: they work in Northlake 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 Northlake 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 Northlake 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 Northlake?
The typical home value in Northlake is $565,600, 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 Northlake?
Typical rent in Northlake is $1,746 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 Northlake?
Northlake 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 Northlake?
The typical homeowner in Northlake pays $10,001 a year, according to the U.S. Census Bureau. That is 1.77% of the home’s value; in Denton County, the rate is 1.61%.
Where can I find free help to buy or rent in Northlake?
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.
