In Trophy Club, a typical home is worth $675,100 and typical rent is $1,992 a month. Compared with all of Denton County, typical household income is 80% higher, the typical home value is 54% higher, and the share of households that own their home is 23 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $567,946 to $685,654.
Typical rent
$2,652a month
Typical rent from Zillow, December 2025 to September 2026: from $2,636 to $2,652.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Trophy Club 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
The typical household income in Trophy Club is $201,054,80% more than in Denton County as a whole ($111,498).
2
88% of households in Trophy Club own their home, against 65% in Denton County.
3
The typical home in Trophy Club is worth $675,100,54% more than in Denton County as a whole ($437,200).
4
Nearby, in Roanoke, the typical home value is $466,900: 31% less than in Trophy Club ($675,100).
5
The typical rent in Trophy Club is $1,992 a month, 15% more than in Denton County as a whole ($1,728).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Trophy Club
What homes there are in Trophy Club, 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
Trophy Club
Denton County
Texas
United States
Kind of home: Trophy Club and its comparisons
Measure
Trophy Club
Denton County
Texas
United States
Detached house
93%
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, standing on their own, make up 93% of homes here, against 69% in Denton County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Trophy Club
Denton County
Texas
United States
Year built: Trophy Club and its comparisons
Measure
Trophy Club
Denton County
Texas
United States
Before 1960
Unreliable estimate
3%
12%
26%
1960–1979
9%
10%
21%
24%
1980–1999
35%
31%
28%
25%
2000–2009
23%
25%
18%
14%
2010 or later
31%
33%
21%
11%
In Trophy Club, half of the homes were built before 2002; in Denton County, before 2003.
In Trophy Club, 92% of homes have 3 bedrooms or more, more than in Denton County (71%).
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–$500K21%
$500K–$750K38%
$750K–$1M29%
$1M or more10%
Value of owner-occupied homes: Trophy Club and its comparisons
Measure
Trophy Club
Under $100K
Unreliable
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
21%
$500K–$750K
38%
$750K–$1M
29%
$1M or more
10%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99943%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Trophy Club and its comparisons
Measure
Trophy Club
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
43%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,665 a month
Denton County: $2,676 a month
Owners with a mortgage
71%
Denton County: 71%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Trophy Club+69%
Denton County+57%
Texas+65%
United States+53%
Typical rent
Trophy Club+30%
Denton County+42%
Texas+34%
United States+33%
Typical household income
Trophy Club+36%
Denton County+28%
Texas+27%
United States+29%
Change since 2015–2019: Trophy Club and its comparisons
Measure
Trophy Club
Denton County
Texas
United States
Typical home value
+69%
+57%
+65%
+53%
Typical rent
+30%
+42%
+34%
+33%
Typical household income
+36%
+28%
+27%
+29%
Since 2015–2019, homes in Trophy Club gained value faster than in Denton County: 69% against 57%.
The typical rent in Trophy Club rose 30% over the same time; in Denton County, it rose 42%.
The typical household income in Trophy Club rose 36% over that time; home values changed +69% and rent +30%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Trophy Club and its comparisons
Measure
Trophy Club
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
2.89
2.68
2.69
2.53
Drive alone
60%
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
25%
24%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Trophy Club are bigger: 2.89 people on average; in Denton County, 2.68.
To get to work, 60% of workers in Trophy Club drive alone; in Denton County, 66%.
Do the math
What would you pay each month for a home in Trophy Club?
A typical home is tight for the typical income
We start with a typical home in Trophy Club, worth $675,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Trophy Club, which is $201,054 a year. For that payment to be 28% of income, a household would need to earn about $252,987 a year. Note: at that price the loan is above the FHA limit for Denton County ($563,500), so FHA would not insure it; the payment is only a reference.
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 Trophy Club. 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 $23,629 (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
$5,903
at 7.18% · 30 years
Loan amount
$662,872
Total interest
$953,717
Paid off in
November 2056
Includes $11,401 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $4,691 a month
Tight
$4,691 to $6,032 a month
Your payment · 35%
Hard
more than $6,032 a month
Compared with the typical household income in Trophy Club ($201,054 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,491
Property tax
$833
Home insurance
$281
FHA mortgage insurance (MIP)
$299
This loan is over the FHA limit
You'd borrow $651,471, but the FHA limit for a one-unit home in Trophy Club is $563,500. You'd need a bigger down payment or a different loan.
You need at least $23,629 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 $5,903; principal and interest $4,491.
The city and its county
Trophy Club and Denton County
Trophy Club 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).
Map of Denton County, Texas, with Trophy Club marked. Around it, the neighboring counties.
Denton County
Trophy Club's own numbers
Typical home value
$675,100
Typical monthly rent
$1,992
Typical yearly household income
$201,054
Households that own their home
88%
Effective property tax rate
1.48%
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 Trophy Club is worth $675,100: 54% above the county and 138% above Texas. With the typical household income in Trophy Club ($201,054 a year), a typical home costs 3.4 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.
Trophy Club3.4 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
Trophy Club 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
Trophy Club$675,100
Denton$437,200
Texas$283,800
United States$332,700
Typical monthly rent
Trophy Club$1,992
Denton$1,728
Texas$1,403
United States$1,413
Typical yearly household income
Trophy Club$201,054
Denton$111,498
Texas$78,476
United States$80,734
See the full table
Trophy Club next to Denton County and Texas
Measure
Trophy Club
Denton County
Texas
U.S.
Typical home value
$675,100 ▲54% above the county
$437,200
$283,800
$332,700
Typical monthly rent
$1,992 ▲15% above the county
$1,728
$1,403
$1,413
Typical yearly household income
$201,054 ▲80% above the county
$111,498
$78,476
$80,734
Households that own their home
88% ▲23 points above 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
1.48% ▼0.13 points below the county
1.61%
1.49%
0.94%
Renters with high rent for their income
44% ▼7 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 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 Trophy Club
For a typical $675,100 home in Trophy Club, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Trophy Club's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,903a month
Above the FHA limit for Denton County ($563,500)
Down payment
$23,629
Cash to close
$43,882
Rate
7.18%
Mortgage insurance
FHA MIP · $299
Conventional, 5% down$5,779a month
Least cash to close
Down payment
$33,755
Cash to close
$54,008
Rate
7.18%
Mortgage insurance
PMI · $321
Conventional, 20% down, no PMI$4,773a month
Down payment
$135,020
Cash to close
$155,273
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,397a month
Down payment
$101,265
Cash to close
$121,518
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Trophy Club
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Denton County ($563,500)
$5,903
$23,629
$662,872
7.18%
FHA MIP · $299
$43,882
580
Conventional, 5% down Least cash to close
$5,779
$33,755
$641,345
7.18%
PMI · $321
$54,008
620*
Conventional, 20% down, no PMI
$4,773
$135,020
$540,080
7.18%
None
$155,273
620*
ITIN, 15% down (example)
$5,397
$101,265
$573,835
8.18%
None
$121,518
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Trophy Club is $1,992 a month: 15% above the county. In Trophy Club, 44% of renter households pay 30% or more of their income in rent.
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 Trophy Club
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Trophy Club is in ZIP code 76262.
For 2 bedrooms it is $2,030: $223 more than the fair market rent for Denton County ($1,807).
Fair market rent by ZIP code and size in Trophy Club, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76262
$1,680
$1,730
$2,030
$2,590
$3,280
ZIP code2 bd3 bd
76262 $2,030$2,590
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Trophy Club 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 Trophy Club or Denton County. The ones below are statewide in Texas: they work in Trophy Club 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 Trophy Club 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 Trophy Club 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 Trophy Club?
The typical home value in Trophy Club is $675,100, 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 Trophy Club?
Typical rent in Trophy Club is $1,992 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 Trophy Club?
Trophy Club 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 Trophy Club?
The typical homeowner in Trophy Club pays $10,001 a year, according to the U.S. Census Bureau. That is 1.48% of the home’s value; in Denton County, the rate is 1.61%.
Where can I find free help to buy or rent in Trophy Club?
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.
