In Plano, a typical home is worth $465,900 and typical rent is $1,841 a month. Compared with all of Collin County, typical household income is 8% lower and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $432,330 to $497,714.
Typical rent
$1,736a month
▲ 0.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,618 to $1,736.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Plano is in Collin 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 Collin County. See the county
What this place has that others do not, from public data, most unusual first.
1
57% of households in Plano own their home, against 65% in Collin County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Plano
What homes there are in Plano, 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
Plano
Collin County
Texas
United States
Kind of home: Plano and its comparisons
Measure
Plano
Collin County
Texas
United States
Detached house
60%
68%
64%
61%
Attached house
4%
3%
3%
6%
Building of 2 to 4
4%
3%
5%
8%
Apartments (5 or more)
32%
25%
21%
19%
Mobile home
Unreliable estimate
2%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Plano, 6 in 10 homes are single-family detached houses; in Collin County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Plano
Collin County
Texas
United States
Year built: Plano and its comparisons
Measure
Plano
Collin County
Texas
United States
Before 1960
1%
2%
12%
26%
1960–1979
17%
8%
21%
24%
1980–1999
50%
32%
28%
25%
2000–2009
18%
25%
18%
14%
2010 or later
14%
33%
21%
11%
The typical home in Plano was built in 1993, 10 years before the typical one in Collin County.
There are fewer big homes in Plano than in Collin County: 62% have 3 bedrooms or more, against 70%.
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–$200K2%
$200K–$300K8%
$300K–$500K47%
$500K–$750K28%
FHA limit: $563,500
$750K–$1M8%
$1M or more5%
Value of owner-occupied homes: Plano and its comparisons
Measure
Plano
Under $100K
2%
$100K–$200K
2%
$200K–$300K
8%
$300K–$500K
47%
$500K–$750K
28%
$750K–$1M
8%
$1M or more
5%
The FHA limit for Collin County is $563,500: about 66% of owner-occupied homes in Plano are worth less, and the rest more.
Monthly rent with utilities
Under the limitOver the limit
Under $5001%
$500–$9992%
$1,000–$1,49922%
$1,500–$1,99937%
HUD fair market rent, 2 bedrooms: $1,807
$2,000–$2,49922%
$2,500–$2,99910%
$3,000 or more7%
Monthly rent with utilities: Plano and its comparisons
Measure
Plano
Under $500
1%
$500–$999
2%
$1,000–$1,499
22%
$1,500–$1,999
37%
$2,000–$2,499
22%
$2,500–$2,999
10%
$3,000 or more
7%
Measured against HUD's 2-bedroom fair market rent ($1,807), about 47% of rented homes in Plano cost less.
With a mortgage
$2,723 a month
Collin County: $2,843 a month
Without a mortgage
$1,082 a month
Collin County: $1,101 a month
Owners with a mortgage
60%
Collin County: 69%
The typical cost for an owner with a mortgage in Plano is $2,723 a month, near the figure in Collin County ($2,843).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Plano+46%
Collin County+51%
Texas+65%
United States+53%
Typical rent
Plano+30%
Collin County+34%
Texas+34%
United States+33%
Typical household income
Plano+17%
Collin County+26%
Texas+27%
United States+29%
Change since 2015–2019: Plano and its comparisons
Measure
Plano
Collin County
Texas
United States
Typical home value
+46%
+51%
+65%
+53%
Typical rent
+30%
+34%
+34%
+33%
Typical household income
+17%
+26%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Plano rose 46%; in Collin County, it rose 51%.
Since 2015–2019, the typical rent in Plano rose 30%, less than in Collin County (34%).
The typical household income in Plano rose 17%: less than home values (+46%) and rent (+30%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Plano and its comparisons
Measure
Plano
Collin County
Texas
United States
Rental vacancy
6.0%
6.1%
7.7%
5.5%
Homeowner vacancy
0.6%
0.6%
1.1%
0.9%
More than one person per room
3.7%
3.1%
4.8%
3.4%
People per household
2.57
2.77
2.69
2.53
Drive alone
62%
62%
71%
69%
Carpool
7%
7%
10%
9%
Public transit
1%
0%
1%
3%
Walk or bike
2%
1%
2%
3%
Work from home
28%
28%
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
In Plano, the rental vacancy rate is 6.0%, about the same as in Collin County.
More than one person per room: that is how 3.7% of households in Plano live, near the figure in Collin County (3.1%).
Fewer people live in each home here: 2.57 on average, against 2.77 in Collin County.
In Plano, 62% of workers drive alone to work; in Collin County, 62%.
Do the math
What would you pay each month for a home in Plano?
A typical home costs more than the typical income allows
We start with a typical home in Plano, worth $465,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Plano, which is $112,253 a year. For that payment to be 28% of income, a household would need to earn about $173,926 a year.
The calculator's FHA and conventional loan limits are those of all of Collin 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 Plano. 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 $16,307 (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
$4,058
at 7.18% · 30 years
Loan amount
$457,461
Total interest
$658,179
Paid off in
November 2056
Includes $7,868 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,619 a month
Tight
$2,619 to $3,368 a month
Hard
more than $3,368 a month
Your payment · 43%
Compared with the typical household income in Plano ($112,253 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,099
Property tax
$559
Home insurance
$194
FHA mortgage insurance (MIP)
$206
You need at least $16,307 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 $4,058; principal and interest $3,099.
The city and its county
Plano and Collin County
Plano is in Collin 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).
Plano
Map of Collin County, Texas, with Plano marked. Around it, the neighboring counties.
Plano
Collin County
Other cities with a page
Plano's own numbers
Typical home value
$465,900
Typical monthly rent
$1,841
Typical yearly household income
$112,253
Households that own their home
57%
Effective property tax rate
1.44%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Collin 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)
+51%
Homes in a high flood-risk zone
0.3%
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 Collin County.
A typical home in Plano is worth $465,900: 2% below the county and 64% above Texas. With the typical household income in Plano ($112,253 a year), a typical home costs 4.2 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.
Plano4.2 years
Collin3.9 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Collin County
According to FHFA’s house price index, home prices in Collin County rose 102% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Collin County.
Yearly change in FHFA’s price index in Collin County, 2016 to 2025
2016: +10.6% +10.6% 2016
2017: +9.9% +9.9% 2017
2018: +5.1% +5.1% 2018
2019: +2.3% +2.3% 2019
2020: +2.1% +2.1% 2020
2021: +14.7% +14.7% 2021
2022: +24.3% +24.3% 2022
2023: +4.5% +4.5% 2023
2024: +2.1% +2.1% 2024
2025: −0.8% −0.8% 2025
Change in FHFA’s price index in Collin County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.8%
+0.8%
+2.9%
5 years (2020–2025)
+51%
+44%
+47%
10 years (2015–2025)
+102%
+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
Plano next to Collin 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
Plano$465,900
Collin$475,600
Texas$283,800
United States$332,700
Typical monthly rent
Plano$1,841
Collin$1,859
Texas$1,403
United States$1,413
Typical yearly household income
Plano$112,253
Collin$121,600
Texas$78,476
United States$80,734
See the full table
Plano next to Collin County and Texas
Measure
Plano
Collin County
Texas
U.S.
Typical home value
$465,900 ▼2% below the county
$475,600
$283,800
$332,700
Typical monthly rent
$1,841
$1,859
$1,403
$1,413
Typical yearly household income
$112,253 ▼8% below the county
$121,600
$78,476
$80,734
Households that own their home
57% ▼8 points below the county
65%
63%
65%
Typical yearly property tax
$6,700 ▼11% below the county
$7,521
$4,232
$3,119
Effective property tax rate
1.44% ▼0.14 points below the county
1.58%
1.49%
0.94%
Renters with high rent for their income
43% ▼4 points below the county
48%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Collin 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 Plano
For a typical $465,900 home in Plano, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Plano's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,058a month
Least cash to close
Down payment
$16,307
Cash to close
$30,284
Rate
7.18%
Mortgage insurance
FHA MIP · $206
Conventional, 5% down$3,973a month
Down payment
$23,295
Cash to close
$37,272
Rate
7.18%
Mortgage insurance
PMI · $221
Conventional, 20% down, no PMI$3,278a month
Down payment
$93,180
Cash to close
$107,157
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,709a month
Down payment
$69,885
Cash to close
$83,862
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Plano
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,058
$16,307
$457,461
7.18%
FHA MIP · $206
$30,284
580
Conventional, 5% down
$3,973
$23,295
$442,605
7.18%
PMI · $221
$37,272
620*
Conventional, 20% down, no PMI
$3,278
$93,180
$372,720
7.18%
None
$107,157
620*
ITIN, 15% down (example)
$3,709
$69,885
$396,015
8.18%
None
$83,862
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 Plano is $1,841 a month: about the same as the county. In Plano, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Collin 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 Collin 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 Plano
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Plano has 6 ZIP codes with their own.
For 2 bedrooms it runs from $1,900 in 75075 to $2,410 in 75024.
6 of the 6 are above the fair market rent for Collin County ($1,807).
2-bedroom fair market rent in each of the 6 ZIP codes of Plano, beside the one for Collin County. For 2 bedrooms it runs from $1,900 in 75075 to $2,410 in 75024. 6 of the 6 are above the fair market rent for Collin 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: $1,900 (75075)Highest: $2,410 (75024)
Fair market rent by ZIP code and size in Plano, fiscal year 2027.
HUD lists 15 buildings with rents for lower incomes in Plano. These are the largest.
Evergreen at Plano Independence Senior Community600 Independence Pkwy, Plano 75075250 low-income homes · 1 bd: 126 · 2 bd: 124 · In service since 2006 · For older adults
Garden Gate Apts1201 Legacy Dr, Plano 75023240 low-income homes · 1 bd: 80 · 2 bd: 128 · 3 bd: 32 · In service since 1995
The Plaza at Chase Oaks7100 Chase Oaks Blvd, Plano 75025240 low-income homes · 1 bd: 120 · 2 bd: 120 · In service since 2006 · For older adults
Plano Community Homes East Campus1612 L Ave, Plano 75074130 homes, 129 low-income · For older adults(972) 423-6058
Patriot Park Family1306 F Ave, Plano 75074139 homes, 111 low-income · For older adults, people with disabilities, families, people experiencing homelessness
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 Collin 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 Plano or Collin County. The ones below are statewide in Texas: they work in Plano 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 Plano or Collin 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 Plano and all of Collin 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 Plano?
The typical home value in Plano is $465,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Collin County it is $475,600.
How much does it cost to rent in Plano?
Typical rent in Plano is $1,841 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Collin County is $1,807.
What is the FHA loan limit in Plano?
Plano uses the FHA limit for all of Collin 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 Plano?
The typical homeowner in Plano pays $6,700 a year, according to the U.S. Census Bureau. That is 1.44% of the home’s value; in Collin County, the rate is 1.58%.
Where can I find free help to buy or rent in Plano?
We found no HUD-approved counseling agencies with an office in Collin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
