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City · 30,491 residents · Dallas County, Texas

Sachse , Texas

In Sachse, a typical home is worth $406,200 and typical rent is $1,798 a month. Compared with all of Dallas County, typical household income is 72% higher, the typical home value is 34% higher, and the share of households that own their home is 34 points higher.

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  • Typical home value

    $406,200

    34% above the county

    43% above Texas

    • Sachse
    • Dallas
    • Texas

  • Typical rent

    $1,798a month

    15% above the county

    28% above Texas

    • Sachse
    • Dallas
    • Texas

  • Typical household income

    $131,808a year

    72% above the county

    68% above Texas

    • Sachse
    • Dallas
    • Texas

  • Households that own their home

    85%

    34 points above the county

    22 points above Texas

    • Sachse
    • Dallas
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$428,346
2.8% less than 12 months ago
Typical rent
$1,699 a month
0.5% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Sachse 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Sachse apart

What this place has that others do not, from public data, most unusual first.

  1. 85% of households in Sachse own their home, against 51% in Dallas County.

  2. The typical household income in Sachse is $131,808, 72% more than in Dallas County as a whole ($76,547).

  3. Nearby, in Garland, the typical home value is $270,800: 33% less than in Sachse ($406,200).

  4. The typical home in Sachse is worth $406,200, 34% more than in Dallas County as a whole ($303,000).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Sachse

What homes there are in Sachse, 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

The detached house rules in Sachse: 84% of homes, more than in Dallas County (52%).

Year built

Homes in Sachse are newer: the typical year built is 2005; in Dallas County, 1983.

Homes in Sachse are bigger: 86% have 3 bedrooms or more; in Dallas County, 51%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,610 a month

Dallas County: $2,166 a month

Without a mortgage

$1,113 a month

Dallas County: $793 a month

Owners with a mortgage

76%

Dallas County: 57%

Owning costs more in Sachse: with a mortgage, the typical cost is $2,610 a month; in Dallas County, $2,166. Without one, $1,113.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Sachse rose 68% since 2015–2019, less than in Dallas County (73%).

The typical rent in Sachse stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSachseDallas CountyTexasUnited States
Rental vacancy Unreliable estimate9.1%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room 3.2%6.2%4.8%3.4%
People per household 2.882.632.692.53
Drive alone 67%68%71%69%
Carpool 4%12%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 25%16%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Sachse, 3.2% of households live with more than one person per room, against 6.2% in Dallas County.

On average, a household in Sachse has 2.88 people, more than in Dallas County (2.63).

Many people here do not commute at all: 25% work from home; in Dallas County, 16%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Sachse?

A typical home is tight for the typical income

We start with a typical home in Sachse, worth $406,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Sachse, which is $131,808 a year. For that payment to be 28% of income, a household would need to earn about $155,266 a year.

The calculator's FHA and conventional loan limits are those of all of Dallas County.

Your numbers

Local data
$

Starts at the typical home value in Sachse. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,217 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,623

at 7.18% · 30 years

Loan amount
$398,843
Total interest
$573,841
Paid off in
November 2056

Includes $6,860 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,076 a month

  • Tight

    $3,076 to $3,954 a month

    Your payment · 33%

  • Hard

    more than $3,954 a month

Compared with the typical household income in Sachse ($131,808 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,623
Principal & interest$2,702
Property tax$572
Home insurance$169
FHA mortgage insurance (MIP)$180

You need at least $14,217 for the down payment, plus closing costs.

Next step

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.

The city and its county

Sachse and Dallas County

Sachse 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).

Sachse's own numbers

Typical home value
$406,200
Typical monthly rent
$1,798
Typical yearly household income
$131,808
Households that own their home
85%
Effective property tax rate
1.69%

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.

Everything about Dallas County

Buying

Buying a home in Sachse

A typical home in Sachse is worth $406,200: 34% above the county and 43% above Texas. With the typical household income in Sachse ($131,808 a year), a typical home costs 3.1 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.

  • Sachse 3.1 years
  • Dallas 4.0 years
  • Texas 3.6 years
  • United States 4.1 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.

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

Sachse 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
  • Sachse $406,200
  • Dallas $303,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Sachse $1,798
  • Dallas $1,565
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Sachse $131,808
  • Dallas $76,547
  • Texas $78,476
  • United States $80,734
See the full table
Sachse next to Dallas County and Texas
Measure Sachse Dallas County Texas U.S.
Typical home value $406,200 $303,000 $283,800 $332,700
Typical monthly rent $1,798 $1,565 $1,403 $1,413
Typical yearly household income $131,808 $76,547 $78,476 $80,734
Households that own their home 85% 51% 63% 65%
Typical yearly property tax $6,873 $4,798 $4,232 $3,119
Effective property tax rate 1.69% 1.58% 1.49% 0.94%
Renters with high rent for their income 52% 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 Sachse

For a typical $406,200 home in Sachse, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sachse's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,623a month

    Least cash to close
    Down payment
    $14,217
    Cash to close
    $26,403
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $180

  • Conventional, 5% down $3,548a month

    Down payment
    $20,310
    Cash to close
    $32,496
    Rate
    7.18%
    Mortgage insurance
    PMI · $193

  • Conventional, 20% down, no PMI $2,943a month

    Down payment
    $81,240
    Cash to close
    $93,426
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,318a month

    Down payment
    $60,930
    Cash to close
    $73,116
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Sachse and for Dallas County.

Property tax

Effective rate in Sachse

1.69%of the home’s value each year

$6,873 a year for the typical owner in Sachse.

  • Sachse 1.69%
  • Dallas 1.58%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Dallas County

FEMA does not publish these numbers by city: they are for all of Dallas County.

Homes in the high-risk zone
1%
6,257
Of those, with NFIP insurance
40%
County Texas U.S.
Homes in the high-risk zone 1% 4.1% 3.5%
Of those, with NFIP insurance 40% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sachse

Typical rent in Sachse is $1,798 a month: 15% above the county. In Sachse, 52% 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.

HUD fair market rent for all of Dallas County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Sachse

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sachse is in ZIP code 75048.

For 2 bedrooms it is $2,100: $293 more than the fair market rent for Dallas County ($1,807).

  • 75048 $2,100$2,640

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sachse 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Sachse

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.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Sachse

No down payment, repair or rent-help program on our list is for Sachse or Dallas County. The ones below are statewide in Texas: they work in Sachse the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    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).

    Tax credit

    See the program Official page

Housing counselors near Sachse

The HUD-approved agencies closest to the center of Sachse, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Balance - Dallas

    8330 Lbj Fwy, Dallas · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 777-7526

  • Builders of Hope

    603 Munger Ave, Dallas · 18 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (214) 920-9850

  • Dallas County Home Loan Counseling Center

    2377 N Stemmons Fwy, Dallas · 19 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (214) 819-6060

Every agency in Dallas County All counseling agencies in Texas

Help in Spanish near Sachse

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Sachse

HUD’s record names them for Sachse or Dallas County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Dallas County Housing Assistance Program Section 8 vouchers (214) 819-1871

4 other authorities have an office in Dallas County: see the list Source: HUD

Cities

Other cities in Dallas County

These cities are also in Dallas County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Dallas County Housing in Texas
See 10 more cities in Dallas County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Sachse, with the typical home value.

Neighboring counties

If Dallas County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Sachse.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Sachse

Short answers with the numbers for Sachse 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 Sachse?

The typical home value in Sachse is $406,200, 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 Sachse?

Typical rent in Sachse is $1,798 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 Sachse?

Sachse 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 Sachse?

The typical homeowner in Sachse pays $6,873 a year, according to the U.S. Census Bureau. That is 1.69% of the home’s value; in Dallas County, the rate is 1.58%.

Where can I find free help to buy or rent in Sachse?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).