Dallas FHA Loan Rates, Closing Costs & Stats

Dallas-Fort Worth-Arlington, TX

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Dallas's 318 lenders originated 26,121 FHA loans during 2024. The total origination value was $8,826,125,000, with an average FHA loan value of $337,894.

    Dallas FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Dallas averaged 6% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Dallas's average FHA mortgage closing costs are $10,219.

    The average rate for the prior week (2025-03-28) was 6.2% and one month ago for the week of 2025-02-28, the average rate was 6.38%.

    The average rate one year ago was 6.3%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.9%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Dallas FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Dallas level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    DHI MORTGAGE COMPANY, LTD. 3,866 4.95% $9,945
    EAGLE HOME MORTGAGE, LLC 1,851 4.54% $8,873
    UNITED WHOLESALE MORTGAGE, LLC 1,587 6.22% $15,349
    LOANDEPOT.COM, LLC 918 6.08% $12,922
    SFMC, LP 808 6.16% $16,778
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 766 6.71% $10,974
    EVERETT FINANCIAL, INC. 655 6.72% $14,594
    QUICKEN LOANS, LLC 627 6.25% $13,991
    FREEDOM MORTGAGE CORPORATION 475 6.12% $14,359
    GUILD MORTGAGE COMPANY 470 6.57% $14,049
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 427 6.29% $10,288
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 404 6.78% $14,348
    CROSSCOUNTRY MORTGAGE, LLC 396 6.63% $16,067
    VELOCIO MORTGAGE L.L.C. 386 5.33% $12,494
    CMG MORTGAGE, INC. 386 6.29% $16,969
    PULTE MORTGAGE LLC 344 5.02% $10,212
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 328 6.44% $15,733
    CARDINAL FINANCIAL 318 6.75% $15,178
    Equity Prime Mortgage LLC 291 6.81% $15,304
    PRIMELENDING, A PLAINSCAPITAL COMPANY 269 6.41% $16,426
    HOMESIDE FINANCIAL, LLC 262 6.03% $18,415
    Republic State Mortgage Co. 256 5.72% $10,492
    M/I FINANCIAL, LLC 244 5.45% $19,663
    FIRST CONTINENTAL MORTGAGE, LTD. 230 5.59% $8,065
    Paramount Residential Mortgage Group, Inc. 230 6.20% $16,201
    MORTGAGE FINANCIAL SERVICES, LLC 216 6.51% $16,025
    BROKER SOLUTIONS, INC. 211 6.56% $13,163
    UNION HOME MORTGAGE CORP. 205 5.80% $16,885
    THE MORTGAGE LINK, INC. 184 6.36% $23,977
    GUARANTEED RATE, INC. 178 6.34% $14,659
    PENNYMAC LOAN SERVICES, LLC 168 6.05% $12,591
    SOUTHWEST FUNDING, LP 146 6.78% $14,324
    SECURITYNATIONAL MORTGAGE COMPANY 146 6.74% $15,427
    SUN WEST MORTGAGE COMPANY, INC. 141 6.49% $14,185
    Century Mortgage Company DBA Century Lending Company 138 6.40% $14,435
    Plains Commerce Bank 137 6.72% $14,631
    PLANET HOME LENDING, LLC 127 6.14% $12,699
    South Pacific Financial Corporation 120 5.69% $11,939
    First United Bank and Trust Company 107 6.45% $15,980
    PRIORITY HOME MORTGAGE, L.P. 106 6.09% $9,143
    INSPIRE HOME LOANS INC. 104 5.30% $12,115
    BROOKHOLLOW MORTGAGE SERVICES, LTD 98 6.09% $17,840
    TOWNE MORTGAGE COMPANY 94 6.49% $15,720
    Sierra Pacific Mortgage Company, Inc. 91 6.08% $15,681
    VILLAGE CAPITAL MORTGAGE 91 6.41% $8,210
    NEWREZ LLC 91 6.29% $12,981
    CLM MORTGAGE, INC 90 5.70% $16,395
    LAKEVIEW LOAN SERVICING, LLC 87 6.35% $9,181
    AmeriHome Mortgage Company, LLC 87 6.43% $8,659
    Trinity Oaks Mortgage, LLC 86 6.13% $17,014
    PLAZA HOME MORTGAGE, INC. 83 6.42% $15,062
    ZILLOW HOME LOANS, LLC 82 6.17% $13,106
    GARDNER FINANCIAL SERVICES, LTD. 79 6.53% $16,533
    S1L, Inc. 79 6.39% $15,732
    AMERICAN FINANCIAL NETWORK, INC. 78 6.90% $15,417
    Gateway First Bank 78 6.51% $14,546
    Independent Bank 74 6.58% $13,165
    Flagstar Bank, FSB 73 6.26% $13,714
    Lakeview Community Capital, LLC 71 6.38% $9,009
    Town Square Mortgage & Investments, Inc. 68 6.79% $10,924
    JET HOMELOANS, LLC 64 5.76% $16,157
    NATIONS RELIABLE LENDING, LLC 64 6.28% $17,907
    CORNERSTONE HOME LENDING, INC. 64 6.18% $16,491
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 63 5.75% $16,429
    KBHS HOME LOANS, LLC 60 5.98% $11,888
    MOVEMENT MORTGAGE, LLC 60 6.26% $14,675
    JPMorgan Chase Bank 58 6.18% $8,039
    First Bank 58 6.08% $21,463
    Sunflower Bank 57 6.37% $37,235
    BancorpSouth 57 6.39% $11,480
    MID AMERICA MORTGAGE, INC. 57 6.86% $11,859
    The Loan Store, Inc. 54 6.10% $16,215
    NFM, INC. 53 6.79% $16,857
    INTEGRITY MORTGAGE CORPORATION OF TEXAS 52 6.33% $12,431
    Prosperity Home Mortgage, LLC 51 6.39% $13,100
    INTERLINC MORTGAGE SERVICES, LLC 51 6.09% $12,034
    American National Bank & Trust 50 5.81% $15,030
    V.I.P. MORTGAGE, INC. 48 6.19% $16,782
    Mr. Cooper ( Nationstar Mortgage ) 46 6.46% $9,757
    Network Funding, L.P. 44 6.60% $14,687
    City Bank 44 6.57% $12,208
    SWBC MORTGAGE CORPORATION 43 6.74% $11,324
    BAY EQUITY LLC 43 6.59% $14,069
    First Financial Bank 43 6.30% $12,205
    American Mortgage Bank, LLC 42 6.45% $14,931
    MATTAMY HOME FUNDING, LLC 40 5.55% $13,744
    LAND HOME FINANCIAL SERVICES, INC. 40 7.10% $19,432
    SUCCESS MORTGAGE PARTNERS, INC. 39 7.11% $13,204
    SUMMIT FUNDING, INC. 39 6.65% $14,914
    OPEN MORTGAGE, LLC 38 6.50% $16,467
    Centennial Bank 38 6.58% $11,068
    Origin Bank 36 6.51% $11,133
    Waterstone Mortgage Corporation 36 6.76% $14,448
    T2 FINANCIAL LLC 36 6.59% $14,826
    EUSTIS AND AMERICAN MORTGAGE COMPANY 36 6.61% $13,820
    GUARANTEED RATE AFFINITY, LLC 35 6.34% $14,241
    AMERICAN FINANCIAL RESOURCES, INC. 34 6.62% $12,827
    Encompass Lending Group, LP 30 6.65% $15,461
    First Option Mortgage, LLC 30 6.55% $15,985
    Simmons Bank 28 6.23% $10,826
    Loan Simple, Inc. 27 6.56% $14,499
    Ixonia Bank 27 6.87% $14,833
    AMERICAN PACIFIC MORTGAGE CORPORATION 26 6.28% $14,895
    U.S. Bank 25 6.08% $15,956
    Cornerstone First Mortgage, Inc 25 6.29% $15,522
    American Mortgage & Equity Consultants, Inc. 24 6.48% $15,030
    Mortgage Research Center, LLC 23 6.33% $10,938
    Texas Mortgage Lending, LLC 23 6.25% $13,648
    AXIA FINANCIAL, LLC 21 6.43% $16,363
    BOKF 20 6.78% $11,434
    OCMBC, INC. 20 6.88% $15,506
    GEO-CORP, INC. 20 7.15% $18,888
    GENEVA FINANCIAL, LLC 20 6.59% $17,189
    INTERCAP LENDING INC. 19 6.32% $15,534
    PRIMARY RESIDENTIAL MORTGAGE, INC. 19 6.72% $14,468
    CRESTMARK MORTGAGE COMPANY, LTD. 18 6.18% $14,132
    Affiliated Bank 18 6.87% $12,712
    HOMEBRIDGE FINANCIAL SERVICES, INC. 18 6.34% $15,673
    CITY FIRST MORTGAGE SERVICES, L.L.C. 18 6.76% $15,676
    CANOPY MORTGAGE, LLC 18 6.53% $15,881
    Carrington Mortgage Services, LLC 17 6.43% $14,983
    PILGRIM MORTGAGE LLC 17 6.45% $12,851
    PENTAGON FEDERAL CREDIT UNION 17 5.91% $15,155
    ENVOY MORTGAGE, LTD 17 6.51% $14,843
    Commerce Home Mortgage, Inc. 17 6.49% $14,040
    Midwest Mortgage Associates Corporation 16 6.73% $15,164
    INTELLILOAN, INC. 16 6.07% $6,918
    MUTUAL OF OMAHA MORTGAGE, INC. 16 6.05% $14,817
    HOMESPIRE MORTGAGE CORPORATION 15 6.41% $13,278
    MORTGAGE SOLUTIONS OF COLORADO, LLC 15 7.09% $12,657
    NBKC BANK 15 5.85% $13,313
    WILLOW BEND MORTGAGE COMPANY, LLC 15 6.27% $15,626
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 14 6.46% $16,021
    CHURCHILL MORTGAGE CORPORATION 14 6.87% $12,997
    BM Real Estate Services, Inc. 13 6.72% $15,810
    DAS Acquisition Company, LLC 13 6.48% $18,146
    JMAC LENDING, INC. 12 6.23% $16,447
    NBH Bank 12 6.93% $10,651
    CALCON MUTUAL MORTGAGE LLC 12 6.69% $19,321
    FIRST COMMUNITY MORTGAGE, INC. 11 7.05% $14,980
    Prosperity Bank 11 6.40% $9,213
    BETTER MORTGAGE CORPORATION 11 5.61% $12,347
    Bank of England 11 6.57% $11,041
    MASON MCDUFFIE MORTGAGE CORPORATION 11 5.69% $15,680
    MEMBER FIRST MORTGAGE, LLC 11 6.07% $14,898
    AFFORDABLE MORTGAGE ADVISORS, LLC. 11 6.74% $15,013
    NATIONS DIRECT MORTGAGE, LLC 11 6.20% $16,659
    Vellum Mortgage, Inc. 10 6.34% $13,899
    Bank of America 10 6.03% $10,048
    ML Mortgage Corp. 10 6.69% $15,566
    GMFS LLC 9 6.65% $12,645
    FBC MORTGAGE, LLC 9 5.13% $15,056
    BECKAM FUNDING CORP. 9 7.25% $21,451
    Strong Home Mortgage, LLC 9 5.93% $13,073
    Home Mortgage Alliance Corp 9 6.76% $17,050
    PREMIA MORTGAGE, LLC 8 6.03% $12,460
    MICHIGAN MUTUAL, INC. 8 6.72% $16,872
    PACIFIC RESIDENTIAL MORTGAGE, LLC 8 6.62% $13,297
    First National Bank 8 6.28% $10,589
    LOANPEOPLE, LLC 8 6.77% $15,900
    First State Bank 7 6.57% $11,757
    PREMIER MORTGAGE RESOURCES, L.L.C. 7 6.89% $13,159
    Magnolia Bank 7 6.20% $16,471
    ALLIED MORTGAGE GROUP, INC. 7 6.13% $11,443
    NexBank 7 6.32% $18,639
    Integrity Home Mortgage Corp 7 6.59% $15,065
    UNITED MORTGAGE CORP 6 6.79% $13,722
    LOANPAL, LLC 6 5.44% $20,131
    UNIVERSITY Federal Credit Union 6 5.79% $15,186
    First National Bank Texas 6 6.13% $13,570
    BELEM SERVICING LLC 6 6.35% $12,182
    RADIUS FINANCIAL GROUP INC. 6 6.50% $11,315
    SeaTrust Mortgage Company 6 6.48% $12,592
    Performance Financial, Inc. 6 6.56% $17,829
    Watermark Capital, Inc. 6 6.15% $12,127
    Wells Fargo Bank 6 6.33% $9,572
    Preston Home Loans Inc 6 6.50% $16,573
    MY MORTGAGE, INC. 6 6.31% $19,559
    Florida Capital Bank 6 6.10% $14,073
    HOMETRUST MORTGAGE COMPANY 5 6.35% $16,484
    SOUTHWEST STAGE FUNDING, LLC 5 5.65% $11,008
    COUNTRYPLACE MORTGAGE, LTD. 5 4.85% $13,172
    FIRST COLONY MORTGAGE CORPORATION 5 6.25% $13,312
    Great Plains National Bank 5 6.38% $12,728
    City Lending Inc. 5 7.15% $15,852
    Hometown Equity Mortgage, LLC 5 6.10% $14,043
    FLAT BRANCH MORTGAGE, INC. 5 6.45% $13,604
    DIRECTIONS EQUITY, LLC 5 6.82% $12,525
    PANORAMA MORTGAGE GROUP, LLC 5 6.93% $16,694
    Acre Mortgage and Financial Inc 5 6.55% $20,751
    Truist 5 6.06% $19,846
    US MORTGAGE CORPORATION 5 6.53% $13,266
    TruHome Solutions, LLC 5 6.35% $12,096
    Texana Bank 4 6.59% $10,101
    AMERICAN FINANCING CORPORATION 4 5.41% $14,113
    DATA MORTGAGE, INC. 4 6.31% $10,733
    DIRECT MORTGAGE LOANS, LLC 4 6.13% $15,509
    Inwood National Bank 4 5.84% $11,373
    LEADERONE FINANCIAL CORPORATION 4 6.66% $15,411
    NORWICH COMMERCIAL GROUP, INC. 4 6.69% $15,950
    PHH Mortgage Corporation 4 5.88% $8,713
    PNC Bank 4 6.66% $9,049
    Victorian Finance, LLC 4 6.38% $12,473
    Gulf Coast Bank and Trust Company 3 6.17% $15,794
    LENOX FINANCIAL MORTGAGE CORPORATION 3 6.54% $11,734
    LEGEND LENDING CORPORATION 3 6.25% $16,682
    SENTE MORTGAGE, INC. 3 7.17% $15,513
    The Federal Savings Bank 3 6.71% $11,471
    First Horizon Bank 3 6.29% $14,718
    TIB The Independent Bankersbank 3 6.50% $12,405
    TJC Mortgage, Inc. 3 7.13% $20,354
    OCEANSIDE MORTGAGE COMPANY 3 5.87% $9,755
    UMB Bank 3 6.38% $10,248
    AMPLIFY 3 5.79% $11,189
    AMERITRUST MORTGAGE CORPORATION 3 6.83% $14,992
    Southside Bank 3 6.63% $9,361
    AMERISAVE MORTGAGE CORPORATION 3 5.83% $13,212
    Old National Bank 3 5.83% $13,594
    DATCU 3 6.13% $8,949
    Regions Bank 3 5.83% $13,321
    Stride Bank 3 6.38% $13,283
    Alcova Mortgage LLC 3 6.46% $6,791
    Farmers Bank & Trust Company 3 5.83% $13,097
    NETWORK CAPITAL FUNDING CORPORATION 3 6.46% $17,038
    NATIONWIDE MORTGAGE BANKERS, INC. 2 6.50% $10,406
    Armed Forces Bank 2 6.25% $12,766
    Nations Lending Corporation 2 6.38% $11,098
    MLB RESIDENTIAL LENDING, LLC 2 6.38% $12,728
    CityWorth Mortgage LLC 2 6.06% $18,040
    Wallick & Volk, Inc. 2 6.94% $9,367
    Chickasaw Community Bank 2 6.69% $13,495
    NP, Inc. 2 6.69% $20,785
    1ST 2ND MORTGAGE COMPANY OF N.J., INC. 2 6.50% $15,984
    ALAMEDA MORTGAGE CORPORATION 2 7.00% $13,795
    AHL FUNDING 2 6.81% $19,050
    TEXAS TECH 2 6.81% $13,487
    The Central Trust Bank 2 6.25% $12,502
    Wolfe Financial, Inc 2 6.81% $17,178
    M&T Bank 2 6.13% $8,220
    ENDEAVOR CAPITAL, LLC. 2 6.25% $14,414
    Residential Acceptance Corporation 2 7.00% $13,475
    NEW FED MORTGAGE, CORP. 2 7.38% $10,159
    Barrington Bank & Trust Company, N.A. 2 6.00% $11,895
    ENCORE BANK 2 6.44% $12,066
    First Federal Bank 2 5.50% $10,008
    ASSOCIATED MORTGAGE CORPORATION 2 6.38% $11,150
    Arvest Bank 2 5.94% $12,651
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 6.56% $17,401
    Stifel Bank and Trust 1 6.25% $13,385
    Constant Investments, Inc. 1 7.00% $13,653
    COMPASS MORTGAGE, INC. 1 6.50% $9,488
    COMMUNITY MORTGAGE, LLC 1 5.13% $24,252
    Commercial Bank of Texas 1 5.88% $12,478
    Citizens Bank 1 6.88% $18,252
    TBI MORTGAGE COMPANY 1 6.63% $19,499
    TEXAS DOW EMPLOYEES CREDIT UNION 1 6.50% $11,431
    CASTLE & COOKE MORTGAGE, LLC 1 7.38% $13,354
    Bell Bank 1 6.00% $6,981
    BAY-VALLEY MORTGAGE GROUP 1 6.50% $19,912
    Bank OZK 1 5.63% $6,593
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.25% $15,602
    Trustmark National Bank 1 6.75% $13,213
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 5.75% $14,912
    Ameris Bank 1 5.75% $19,970
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.13% $16,105
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.13% $10,777
    MORTGAGEONE, INC. 1 6.25% $15,162
    Amarillo National Bank 1 6.25% $11,221
    Zions Bank 1 6.00% $9,883
    Alliance Credit Union 1 6.38% $4,509
    A&D Mortgage LLC 1 6.00% $24,062
    Willamette Valley Bank 1 6.25% $13,720
    Academy Bank 1 6.63% $15,337
    American Bank of Commerce 1 6.75% $11,009
    MORTGAGE MANAGEMENT CONSULTANTS, INC. 1 6.63% $16,701
    MORTGAGE ACCESS CORP. 1 6.25% $28,396
    MLD MORTGAGE INC. 1 6.25% $11,182
    Northpointe Bank 1 5.63% $14,680
    Wilmington Savings Fund Society, FSB 1 6.50% $15,448
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.75% $16,232
    ON Q FINANCIAL, INC. 1 7.25% $9,612
    MidFirst Bank 1 7.63% $9,832
    Mid-Continent Funding, Inc. 1 6.99% $14,807
    Pacific Lending LLC 1 7.13% $11,919
    Meridian Bank Corporation 1 7.00% $15,506
    Merchants Bank of Indiana 1 6.75% $16,837
    PATRIOT MORTGAGE COMPANY 1 6.50% $16,553
    Keystone Funding, Inc. 1 6.13% $17,959
    JMJ FINANCIAL GROUP 1 6.13% $10,286
    PIKE CREEK MORTGAGE SERVICES, INC. 1 5.75% $16,209
    INTERCOASTAL MORTGAGE COMPANY 1 6.00% $17,285
    INFINITY EQUITY GROUP, INC. 1 6.25% $15,195
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.00% $11,887
    HIGHLAND HOMELOANS, LLC 1 6.75% $24,330
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.63% $19,497
    Hamilton Mortgage Corporation 1 6.75% $10,164
    PREMIER LENDING, INC. 1 7.75% $11,366
    HALLMARK HOME MORTGAGE, LLC 1 7.25% $23,196
    Presidential Bank, FSB 1 6.75% $11,689
    Guaranty Bank & Trust, N.A. 1 6.63% $10,816
    GSF Mortgage Corporation 1 6.50% $9,052
    First United Bank 1 6.13% $10,520
    FirstBank 1 6.13% $19,598
    First Bank 1 6.25% $11,921
    FIDELITY BANK 1 6.75% $12,387
    RANLIFE, INC. 1 5.88% $17,694
    RB MORTGAGE LLC 1 5.63% $9,983
    Evolve Bank & Trust 1 7.25% $12,650
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.25% $15,300
    EVANSVILLE TEACHERS 1 5.25% $14,564
    Semper Home Loans, Inc. 1 6.00% $23,778
    Servion, Inc. 1 5.75% $18,113
    East Coast Capital Corp. 1 5.38% $31,576
    SIRVA MORTGAGE, INC. 1 7.00% $5,893
    DIRECT MORTGAGE, CORP. 1 6.63% $10,810
    South State Bank 1 5.50% $20,143
    DELMAR FINANCIAL COMPANY 1 6.25% $15,026
    ST FIN CORP 1 6.63% $18,279

    The top Dallas FHA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 3,866 FHA loans originated. Their average total fees are $9,945, which is $1,072 higher than the next largest lender, EAGLE HOME MORTGAGE, LLC.

    The lowest fee Dallas FHA lenders (with over 10 loans originated) are INTELLILOAN, INC. ($6,918), JPMorgan Chase Bank ($8,039), FIRST CONTINENTAL MORTGAGE, LTD. ($8,065), VILLAGE CAPITAL MORTGAGE ($8,210) and AmeriHome Mortgage Company, LLC ($8,659).

    The lowest rate Dallas FHA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.54%), DHI MORTGAGE COMPANY, LTD. (4.95%), PULTE MORTGAGE LLC (5.02%), INSPIRE HOME LOANS INC. (5.30%) and VELOCIO MORTGAGE L.L.C. (5.33%).

    Dallas FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    DALLAS-FORT WORTH-ARLINGTON, TX COLLIN 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX DALLAS 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX DENTON 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX ELLIS 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX HUNT 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX JOHNSON 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX KAUFMAN 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX PARKER 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX ROCKWALL 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX TARRANT 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX WISE 2022 $450,800 $577,100 $697,600 $866,950
    DALLAS-FORT WORTH-ARLINGTON, TX COLLIN 2023 $531,300 $680,150 $822,150 $1,021,750
    DALLAS-FORT WORTH-ARLINGTON, TX DALLAS 2023 $531,300 $680,150 $822,150 $1,021,750
    DALLAS-FORT WORTH-ARLINGTON, TX DENTON 2023 $531,300 $680,150 $822,150 $1,021,750
    DALLAS-FORT WORTH-ARLINGTON, TX ELLIS 2023 $531,300 $680,150 $822,150 $1,021,750
    DALLAS-FORT WORTH-ARLINGTON, TX HUNT 2023 $531,300 $680,150 $822,150 $1,021,750
    DALLAS-FORT WORTH-ARLINGTON, TX JOHNSON 2023 $531,300 $680,150 $822,150 $1,021,750
    DALLAS-FORT WORTH-ARLINGTON, TX KAUFMAN 2023 $531,300 $680,150 $822,150 $1,021,750
    DALLAS-FORT WORTH-ARLINGTON, TX PARKER 2023 $531,300 $680,150 $822,150 $1,021,750
    DALLAS-FORT WORTH-ARLINGTON, TX ROCKWALL 2023 $531,300 $680,150 $822,150 $1,021,750
    DALLAS-FORT WORTH-ARLINGTON, TX TARRANT 2023 $531,300 $680,150 $822,150 $1,021,750
    DALLAS-FORT WORTH-ARLINGTON, TX WISE 2023 $531,300 $680,150 $822,150 $1,021,750

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dallas (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $354,950 (0.0%) $496,877 (-2.5%) 1.32 14,302
    2018-02-01 $369,450 (0.7%) $519,942 (-0.8%) 1.34 14,292
    2018-03-01 $374,330 (0.0%) $528,371 (-2.6%) 1.31 15,270
    2018-04-01 $378,700 (-0.3%) $537,065 (-3.0%) 1.28 16,629
    2018-05-01 $384,950 (0.8%) $543,255 (-1.8%) 1.29 18,222
    2018-06-01 $374,900 (0.0%) $525,258 (-2.9%) 1.25 20,153
    2018-07-01 $366,000 (-0.8%) $511,291 (-2.3%) 1.22 22,051
    2018-08-01 $350,000 (-2.0%) $486,626 (-2.3%) 1.17 22,543
    2018-09-01 $347,436 (-0.7%) $483,076 (-2.8%) 1.17 22,643
    2018-10-01 $345,000 (-1.6%) $482,652 (-3.3%) 1.17 22,803
    2018-11-01 $344,900 (-1.5%) $482,839 (-2.9%) 1.17 22,367
    2018-12-01 $339,990 (-2.9%) $476,952 (-3.4%) 1.17 20,538
    2019-01-01 $339,945 (-4.2%) $472,167 (-5.0%) 1.17 18,995
    2019-02-01 $347,465 (-6.0%) $486,417 (-6.5%) 1.17 19,529
    2019-03-01 $353,714 (-5.5%) $497,774 (-5.8%) 1.16 20,204
    2019-04-01 $360,000 (-4.9%) $508,841 (-5.3%) 1.14 21,049
    2019-05-01 $364,445 (-5.3%) $508,262 (-6.4%) 1.14 22,293
    2019-06-01 $359,100 (-4.2%) $503,331 (-4.2%) 1.12 23,921
    2019-07-01 $355,098 (-3.0%) $493,714 (-3.4%) 1.11 24,732
    2019-08-01 $347,947 (-0.6%) $481,665 (-1.0%) 1.10 24,706
    2019-09-01 $344,883 (-0.7%) $477,985 (-1.1%) 1.10 24,317
    2019-10-01 $344,085 (-0.3%) $477,297 (-1.1%) 1.11 23,804
    2019-11-01 $342,900 (-0.6%) $476,302 (-1.4%) 1.12 22,134
    2019-12-01 $337,646 (-0.7%) $469,782 (-1.5%) 1.13 19,620
    2020-01-01 $336,250 (-1.1%) $466,533 (-1.2%) 1.12 17,941
    2020-02-01 $340,000 (-2.2%) $475,039 (-2.3%) 1.11 17,633
    2020-03-01 $329,192 (-6.9%) $449,529 (-9.7%) 1.03 19,663
    2020-04-01 $339,996 (-5.6%) $471,216 (-7.4%) 1.07 18,613
    2020-05-01 $350,000 (-4.0%) $497,400 (-2.1%) 1.06 18,801
    2020-06-01 $359,000 (0.0%) $514,859 (2.3%) 1.06 16,970
    2020-07-01 $360,000 (1.4%) $523,178 (6.0%) 1.04 15,860
    2020-08-01 $360,750 (3.7%) $531,265 (10.3%) 1.03 14,746
    2020-09-01 $361,750 (4.9%) $543,102 (13.6%) 1.04 13,601
    2020-10-01 $359,000 (4.3%) $550,450 (15.3%) 1.03 12,715
    2020-11-01 $362,050 (5.6%) $560,495 (17.7%) 1.06 11,170
    2020-12-01 $357,998 (6.0%) $559,600 (19.1%) 1.06 9,411
    2021-01-01 $350,000 (4.1%) $552,600 (18.5%) 1.04 8,067
    2021-02-01 $359,700 (5.8%) $578,067 (21.7%) 1.05 6,215
    2021-03-01 $366,350 (11.3%) $578,992 (28.8%) 1.04 5,818
    2021-04-01 $375,000 (10.3%) $594,801 (26.2%) 1.02 5,690
    2021-05-01 $381,167 (8.9%) $583,766 (17.4%) 1.01 6,010
    2021-06-01 $389,945 (8.6%) $590,901 (14.8%) 1.03 6,943
    2021-07-01 $397,160 (10.3%) $576,239 (10.1%) 1.05 8,386
    2021-08-01 $399,000 (10.6%) $566,026 (6.5%) 1.06 9,246
    2021-09-01 $398,852 (10.3%) $563,098 (3.7%) 1.06 8,917
    2021-10-01 $399,000 (11.1%) $574,863 (4.4%) 1.06 8,278
    2021-11-01 $400,000 (10.5%) $583,580 (4.1%) 1.07 7,345
    2021-12-01 $400,000 (11.7%) $583,982 (4.4%) 1.08 6,255
    2022-01-01 $403,900 (15.4%) $596,766 (8.0%) 1.09 4,892
    2022-02-01 $412,000 (14.5%) $640,055 (10.7%) 1.07 4,138
    2022-03-01 $425,000 (16.0%) $656,890 (13.5%) 1.06 4,548
    2022-04-01 $441,900 (17.8%) $672,766 (13.1%) 1.05 5,421
    2022-05-01 $476,203 (24.9%) $677,812 (16.1%) 1.09 8,075
    2022-06-01 $490,793 (25.9%) $672,491 (13.8%) 1.09 11,269
    2022-07-01 $480,710 (21.0%) $644,577 (11.9%) 1.08 14,833
    2022-08-01 $462,551 (15.9%) $617,824 (9.2%) 1.07 16,511
    2022-09-01 $453,995 (13.8%) $610,938 (8.5%) 1.06 16,489
    2022-10-01 $450,000 (12.8%) $612,367 (6.5%) 1.06 17,451
    2022-11-01 $448,450 (12.1%) $609,378 (4.4%) 1.08 17,855
    2022-12-01 $438,999 (9.8%) $598,145 (2.4%) 1.08 16,321
    2023-01-01 $433,500 (7.3%) $590,024 (-1.1%) 1.07 14,667
    2023-02-01 $435,000 (5.6%) $598,105 (-6.6%) 1.05 12,774
    2023-03-01 $442,166 (4.0%) $618,586 (-5.8%) 1.04 12,395
    2023-04-01 $459,900 (4.1%) $648,730 (-3.6%) 1.07 12,533
    2023-05-01 $469,399 (-1.4%) $667,501 (-1.5%) 1.06 13,169
    2023-06-01 $473,500 (-3.5%) $671,036 (-0.2%) 1.06 14,677
    2023-07-01 $470,000 (-2.2%) $665,462 (3.2%) 1.07 16,132
    2023-08-01 $465,004 (0.5%) $651,171 (5.4%) 1.07 16,922
    2023-09-01 $450,000 (-0.9%) $644,200 (5.4%) 1.05 17,261
    2023-10-01 $449,000 (-0.2%) $647,680 (5.8%) 1.06 18,601
    2023-11-01 $445,000 (-0.8%) $637,626 (4.6%) 1.06 18,924
    2023-12-01 $435,000 (-0.9%) $628,356 (5.1%) 1.06 17,355
    2024-01-01 $431,088 (-0.6%) $612,069 (3.7%) 1.05 15,782
    2024-02-01 $435,000 (0.0%) $618,316 (3.4%) 1.05 16,017
    2024-03-01 $439,990 (-0.5%) $628,977 (1.7%) 1.04 17,101
    2024-04-01 $449,900 (-2.2%) $648,240 (-0.1%) 1.05 18,535
    2024-05-01 $454,500 (-3.2%) $660,975 (-1.0%) 1.03 20,082
    2024-06-01 $450,178 (-4.9%) $656,479 (-2.2%) 1.02 22,368
    2024-07-01 $450,000 (-4.3%) $640,440 (-3.8%) 1.03 24,436
    2024-08-01 $444,999 (-4.3%) $623,720 (-4.2%) 1.03 25,480
    2024-09-01 $439,450 (-2.3%) $617,367 (-4.2%) 1.03 25,769
    2024-10-01 $434,500 (-3.2%) $614,235 (-5.2%) 1.02 25,909
    2024-11-01 $428,000 (-3.8%) $610,033 (-4.3%) 1.03 25,494
    2024-12-01 $422,450 (-2.9%) $600,315 (-4.5%) 1.05 22,744
    2025-01-01 $415,500 (-3.6%) $591,167 (-3.4%) 1.04 21,422
    2025-02-01 $415,950 (-4.4%) $595,119 (-3.8%) 1.01 21,794
    2025-03-01 $423,503 (-3.8%) $613,883 (-2.4%) 0.00 23,675
    Dallas's median listing price for 2025-03-01 was $423,503, a difference of $-16,487 (-3.8%) versus the prior year and $7,553 versus the prior month.

    Dallas's median listing price comes in at 0% of the national average.

    Dallas's average listing price for 2025-03-01 was $613,883, a difference of $-15,094 (-2.4%) versus the prior year and $18,764 versus the prior month.

    For the 2025-03-01 period, Dallas had 23,675 MLS listings, a difference of 1,881 listings (9%) versus the prior month and 6,574 listings (38%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dallas (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 64 days 2,590 sqft
    2018-02-01 48 days 2,635 sqft
    2018-03-01 43 days 2,644 sqft
    2018-04-01 39 days 2,675 sqft
    2018-05-01 37 days 2,721 sqft
    2018-06-01 39 days 2,672 sqft
    2018-07-01 40 days 2,627 sqft
    2018-08-01 47 days 2,551 sqft
    2018-09-01 52 days 2,516 sqft
    2018-10-01 56 days 2,499 sqft
    2018-11-01 59 days 2,469 sqft
    2018-12-01 65 days 2,437 sqft
    2019-01-01 67 days 2,415 sqft
    2019-02-01 57 days 2,439 sqft
    2019-03-01 46 days 2,474 sqft
    2019-04-01 44 days 2,507 sqft
    2019-05-01 44 days 2,521 sqft
    2019-06-01 47 days 2,515 sqft
    2019-07-01 49 days 2,490 sqft
    2019-08-01 51 days 2,439 sqft
    2019-09-01 53 days 2,416 sqft
    2019-10-01 54 days 2,405 sqft
    2019-11-01 58 days 2,397 sqft
    2019-12-01 65 days 2,351 sqft
    2020-01-01 66 days 2,328 sqft
    2020-02-01 50 days 2,337 sqft
    2020-03-01 43 days 2,305 sqft
    2020-04-01 49 days 2,328 sqft
    2020-05-01 52 days 2,392 sqft
    2020-06-01 46 days 2,403 sqft
    2020-07-01 45 days 2,396 sqft
    2020-08-01 44 days 2,369 sqft
    2020-09-01 45 days 2,319 sqft
    2020-10-01 46 days 2,297 sqft
    2020-11-01 48 days 2,255 sqft
    2020-12-01 52 days 2,206 sqft
    2021-01-01 49 days 2,162 sqft
    2021-02-01 39 days 2,157 sqft
    2021-03-01 38 days 2,156 sqft
    2021-04-01 29 days 2,151 sqft
    2021-05-01 29 days 2,174 sqft
    2021-06-01 28 days 2,175 sqft
    2021-07-01 27 days 2,173 sqft
    2021-08-01 31 days 2,179 sqft
    2021-09-01 36 days 2,168 sqft
    2021-10-01 36 days 2,154 sqft
    2021-11-01 38 days 2,153 sqft
    2021-12-01 42 days 2,147 sqft
    2022-01-01 40 days 2,124 sqft
    2022-02-01 32 days 2,106 sqft
    2022-03-01 24 days 2,117 sqft
    2022-04-01 23 days 2,154 sqft
    2022-05-01 21 days 2,249 sqft
    2022-06-01 22 days 2,304 sqft
    2022-07-01 29 days 2,294 sqft
    2022-08-01 35 days 2,262 sqft
    2022-09-01 43 days 2,249 sqft
    2022-10-01 44 days 2,248 sqft
    2022-11-01 49 days 2,242 sqft
    2022-12-01 59 days 2,216 sqft
    2023-01-01 64 days 2,190 sqft
    2023-02-01 59 days 2,192 sqft
    2023-03-01 46 days 2,217 sqft
    2023-04-01 39 days 2,272 sqft
    2023-05-01 37 days 2,305 sqft
    2023-06-01 36 days 2,321 sqft
    2023-07-01 37 days 2,318 sqft
    2023-08-01 42 days 2,296 sqft
    2023-09-01 44 days 2,249 sqft
    2023-10-01 46 days 2,227 sqft
    2023-11-01 50 days 2,211 sqft
    2023-12-01 58 days 2,187 sqft
    2024-01-01 63 days 2,165 sqft
    2024-02-01 48 days 2,158 sqft
    2024-03-01 40 days 2,177 sqft
    2024-04-01 40 days 2,201 sqft
    2024-05-01 39 days 2,232 sqft
    2024-06-01 43 days 2,233 sqft
    2024-07-01 44 days 2,224 sqft
    2024-08-01 49 days 2,200 sqft
    2024-09-01 53 days 2,188 sqft
    2024-10-01 56 days 2,167 sqft
    2024-11-01 58 days 2,141 sqft
    2024-12-01 66 days 2,117 sqft
    2025-01-01 69 days 2,100 sqft
    2025-02-01 56 days 2,100 sqft
    2025-03-01 0 days 2,112 sqft
    Dallas's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Dallas's median square footage for active listings during the 2025-03-01 period was 2,112 sqft. One year prior, the average listing was 2,177 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).