In Richardson, a typical home is worth $431,400 and typical rent is $1,857 a month. Compared with all of Dallas County, the typical home value is 42% higher and typical household income is 28% higher.
Typical home value from Zillow, September 2021 to September 2026: from $365,029 to $437,432.
Typical rent
$1,648a month
▲ 0.6% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,562 to $1,648.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Richardson 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
The typical home in Richardson is worth $431,400,42% more than in Dallas County as a whole ($303,000).
2
Nearby, in Garland, the typical home value is $270,800: 37% less than in Richardson ($431,400).
3
The typical household income in Richardson is $98,111,28% more than in Dallas County as a whole ($76,547).
4
The typical rent in Richardson is $1,857 a month, 19% more than in Dallas County as a whole ($1,565).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Richardson
What homes there are in Richardson, 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
Richardson
Dallas County
Texas
United States
Kind of home: Richardson and its comparisons
Measure
Richardson
Dallas County
Texas
United States
Detached house
54%
52%
64%
61%
Attached house
3%
4%
3%
6%
Building of 2 to 4
7%
6%
5%
8%
Apartments (5 or more)
36%
37%
21%
19%
Mobile home
Unreliable estimate
2%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Dallas County, most homes in Richardson are detached houses (54%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Richardson
Dallas County
Texas
United States
Year built: Richardson and its comparisons
Measure
Richardson
Dallas County
Texas
United States
Before 1960
7%
17%
12%
26%
1960–1979
37%
28%
21%
24%
1980–1999
25%
28%
28%
25%
2000–2009
11%
13%
18%
14%
2010 or later
21%
14%
21%
11%
By age, homes in Richardson look like those in Dallas County: the typical year built is 1986.
There is more room for a big family here: 57% of homes have 3 bedrooms or more, against 51% in Dallas County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K3%
$100K–$200K4%
$200K–$300K11%
$300K–$500K51%
$500K–$750K24%
FHA limit: $563,500
$750K–$1M5%
$1M or more3%
Value of owner-occupied homes: Richardson and its comparisons
Measure
Richardson
Under $100K
3%
$100K–$200K
4%
$200K–$300K
11%
$300K–$500K
51%
$500K–$750K
24%
$750K–$1M
5%
$1M or more
3%
By price, most homes in Richardson sit under the FHA limit for Dallas County ($563,500): about 75%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9992%
$1,000–$1,49919%
$1,500–$1,99939%
$2,000–$2,49926%
$2,500–$2,99911%
$3,000 or more3%
Monthly rent with utilities: Richardson and its comparisons
Measure
Richardson
Under $500
Unreliable estimate
$500–$999
2%
$1,000–$1,499
19%
$1,500–$1,999
39%
$2,000–$2,499
26%
$2,500–$2,999
11%
$3,000 or more
3%
With a mortgage
$2,524 a month
Dallas County: $2,166 a month
Without a mortgage
$1,039 a month
Dallas County: $793 a month
Owners with a mortgage
58%
Dallas County: 57%
The typical cost for an owner with a mortgage in Richardson is $2,524 a month, more than in Dallas County ($2,166); without one, $1,039.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Richardson+57%
Dallas County+73%
Texas+65%
United States+53%
Typical rent
Richardson+32%
Dallas County+42%
Texas+34%
United States+33%
Typical household income
Richardson+15%
Dallas County+28%
Texas+27%
United States+29%
Change since 2015–2019: Richardson and its comparisons
Measure
Richardson
Dallas County
Texas
United States
Typical home value
+57%
+73%
+65%
+53%
Typical rent
+32%
+42%
+34%
+33%
Typical household income
+15%
+28%
+27%
+29%
The typical home value in Richardson rose 57% since 2015–2019, less than in Dallas County (73%).
Since 2015–2019, the typical rent in Richardson rose 32%, less than in Dallas County (42%).
Here income did not keep up with housing: it rose 15%, while home values changed +57% and rent +32%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Richardson and its comparisons
Measure
Richardson
Dallas County
Texas
United States
Rental vacancy
5.2%
9.1%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.1%
0.9%
More than one person per room
5.1%
6.2%
4.8%
3.4%
People per household
2.48
2.63
2.69
2.53
Drive alone
62%
68%
71%
69%
Carpool
7%
12%
10%
9%
Public transit
2%
1%
1%
3%
Walk or bike
3%
2%
2%
3%
Work from home
25%
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
In Richardson, the rental vacancy rate is 5.2%; in Dallas County, 9.1%.
In Richardson, 5.1% of households live with more than one person per room, against 6.2% in Dallas County.
Households in Richardson are smaller: 2.48 people on average; in Dallas County, 2.63.
Working from home is more common in Richardson: 25%, against 16% in Dallas County.
Do the math
What would you pay each month for a home in Richardson?
A typical home costs more than the typical income allows
We start with a typical home in Richardson, worth $431,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Richardson, which is $98,111 a year. For that payment to be 28% of income, a household would need to earn about $161,971 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 Richardson. 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 $15,099 (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
$3,779
at 7.18% · 30 years
Loan amount
$423,586
Total interest
$609,441
Paid off in
November 2056
Includes $7,285 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,289 a month
Tight
$2,289 to $2,943 a month
Hard
more than $2,943 a month
Your payment · 46%
Compared with the typical household income in Richardson ($98,111 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,870
Property tax
$539
Home insurance
$180
FHA mortgage insurance (MIP)
$191
You need at least $15,099 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 $3,779; principal and interest $2,870.
The city and its county
Richardson and Dallas County
Richardson 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).
Richardson
Map of Dallas County, Texas, with Richardson marked. Around it, the neighboring counties.
Richardson
Dallas County
Other cities with a page
Richardson's own numbers
Typical home value
$431,400
Typical monthly rent
$1,857
Typical yearly household income
$98,111
Households that own their home
51%
Effective property tax rate
1.5%
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 Richardson is worth $431,400: 42% above the county and 52% above Texas. With the typical household income in Richardson ($98,111 a year), a typical home costs 4.4 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.
Richardson4.4 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
Richardson 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
Richardson$431,400
Dallas$303,000
Texas$283,800
United States$332,700
Typical monthly rent
Richardson$1,857
Dallas$1,565
Texas$1,403
United States$1,413
Typical yearly household income
Richardson$98,111
Dallas$76,547
Texas$78,476
United States$80,734
See the full table
Richardson next to Dallas County and Texas
Measure
Richardson
Dallas County
Texas
U.S.
Typical home value
$431,400 ▲42% above the county
$303,000
$283,800
$332,700
Typical monthly rent
$1,857 ▲19% above the county
$1,565
$1,403
$1,413
Typical yearly household income
$98,111 ▲28% above the county
$76,547
$78,476
$80,734
Households that own their home
51%
51%
63%
65%
Typical yearly property tax
$6,482 ▲35% above the county
$4,798
$4,232
$3,119
Effective property tax rate
1.5% ▼0.08 points below the county
1.58%
1.49%
0.94%
Renters with high rent for their income
50% ▼2 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 Richardson
For a typical $431,400 home in Richardson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Richardson's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,779a month
Least cash to close
Down payment
$15,099
Cash to close
$28,041
Rate
7.18%
Mortgage insurance
FHA MIP · $191
Conventional, 5% down$3,700a month
Down payment
$21,570
Cash to close
$34,512
Rate
7.18%
Mortgage insurance
PMI · $205
Conventional, 20% down, no PMI$3,057a month
Down payment
$86,280
Cash to close
$99,222
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,456a month
Down payment
$64,710
Cash to close
$77,652
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Richardson
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,779
$15,099
$423,586
7.18%
FHA MIP · $191
$28,041
580
Conventional, 5% down
$3,700
$21,570
$409,830
7.18%
PMI · $205
$34,512
620*
Conventional, 20% down, no PMI
$3,057
$86,280
$345,120
7.18%
None
$99,222
620*
ITIN, 15% down (example)
$3,456
$64,710
$366,690
8.18%
None
$77,652
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 Richardson is $1,857 a month: 19% above the county. In Richardson, 50% 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 Richardson
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Richardson has 3 ZIP codes with their own.
For 2 bedrooms it runs from $2,020 in 75081 to $2,320 in 75082.
3 of the 3 are above the fair market rent for Dallas County ($1,807).
2-bedroom fair market rent in each of the 3 ZIP codes of Richardson, beside the one for Dallas County. For 2 bedrooms it runs from $2,020 in 75081 to $2,320 in 75082. 3 of the 3 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: $2,020 (75081)Highest: $2,320 (75082)
Fair market rent by ZIP code and size in Richardson, fiscal year 2027.
HUD lists 2 buildings with rents for lower incomes in Richardson. These are the largest.
Brandywine500 Rockingham Dr, Richardson 7508050 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness(972) 669-8168
Sun Ray Community2129 E Arapaho Rd, Richardson 7508150 homes, 49 low-income · For older adults(972) 235-8838
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 Richardson or Dallas County. The ones below are statewide in Texas: they work in Richardson 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 Richardson 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 Richardson 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 Richardson?
The typical home value in Richardson is $431,400, 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 Richardson?
Typical rent in Richardson is $1,857 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 Richardson?
Richardson 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 Richardson?
The typical homeowner in Richardson pays $6,482 a year, according to the U.S. Census Bureau. That is 1.5% of the home’s value; in Dallas County, the rate is 1.58%.
Where can I find free help to buy or rent in Richardson?
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.
