📍 Zip Code 75201 · Dallas, TX · Dallas County

Mortgage Costs in 75201
Dallas, TX

Real 2026 data · Property tax 2.1% · 7.1% mortgage rate
$410,000
Median Home Price
$3,093
All-In Monthly (20% down)
$132,540
Salary Needed
Difficult
Affordability on Avg Income

Full Cost Breakdown — 75201 (Dallas, TX)

Cost Item
20% Down ($82,000)
10% Down ($41,000)
Principal & Interest
$2,204/mo
$2,480/mo
Property Tax (2.1%)
$718/mo
$718/mo
Home Insurance (~0.5%)
$171/mo
$171/mo
PMI (if <20% down)
$184/mo
Total All-In
$3,093/mo
$3,553/mo

What Salary Do You Need to Buy in 75201?

Using the standard 28% gross income housing rule, you need approximately $132,540/year to comfortably afford the median home in Dallas, TX with 20% down at today's 7.1% rate.

The average household income in Dallas County is approximately $72,000/year — which means buying the median home here is difficult for the average family.

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Property Tax in 75201 (Dallas County)

Dallas County has a property tax rate of approximately 2.1% — above the national average of 1.1%. On a $410,000 home, this equals $718/month or $8,610/year in property taxes.

Property taxes can often be appealed if your assessment seems high. Ownwell specializes in property tax appeals — they only charge if they save you money.

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Potential savings: $1,292/year. No win = no fee.
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Will a Bank Approve You in Dallas?

Approval depends on your specific profile — credit score, income, existing debts, and down payment. The Bank Rejection Engine shows exactly how 5 different lender types would score your application for a home in 75201.

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