You've seen the headlines — everyone is moving to Texas. But what does it actually cost to live in the Dallas-Fort Worth area in 2025?
As one of the fastest-growing metros in the country, DFW offers strong job opportunities, great schools, and family-friendly communities — but affordability is changing fast. In this guide, we’re breaking down what it really costs to live here, from housing and taxes to insurance, HOAs, and healthcare.
Local SEO Tip: If you're relocating to Flower Mound, Southlake, or surrounding suburbs — this one's for you.
How Much Does a House Cost in Dallas-Fort Worth in 2025?
Q: What is the average home price in Dallas-Fort Worth today?
A: As of November 2025, the median home price in DFW is $360,000, but prices vary greatly by city:
-
Dallas: $435,000 median
-
Fort Worth: $333,000 median
-
Flower Mound: $585,000 median
-
Southlake: Nearly $1.2M median
The average sale price across the metro is $462,000, pulled upward by luxury homes in affluent areas like Southlake and Flower Mound.
Why It Matters:
-
DFW remains more affordable than either coast, but some suburbs are priced for luxury buyers.
-
You have control over your biggest cost: the price of your home.
-
Interest rates (currently ~6.2%) heavily impact your monthly payment.
Takeaway: Your home choice is the #1 driver of your cost of living. Choose wisely based on both price and property taxes.
What Are Property Taxes Like in North Texas?
Q: How high are property taxes in Texas?
A: Texas property tax rates range from 1.5% to over 3%, depending on location, schools, and special districts (like MUDs or PIDs).
Since Texas has no state income tax, property taxes are the primary way schools and cities are funded. Expect:
-
Newer neighborhoods often have higher taxes due to added infrastructure costs.
-
Established areas may offer lower tax rates as MUDs/PIDs phase out.
-
School district funding is a major driver of tax rates.
Example:
-
A $600,000 home could cost you $9,000–$18,000/year in taxes.
Takeaway: Factor property taxes into your monthly payment — they can be a significant portion of your budget.
What Do HOA Fees Cost in DFW Suburbs?
Q: How much are homeowners association (HOA) fees in DFW?
A: HOA fees vary widely depending on amenities and neighborhood age:
-
Basic HOAs: ~$250/year
-
Resort-style HOAs: $250+/month
Examples:
-
Lantana: 5 pools, gyms, trails, front-yard maintenance
-
Winsong Ranch: 5-acre lagoon, premium amenities
Takeaway: HOAs can offer great value, but they’re an added monthly cost. Make sure you understand what’s included.
How Much Is Homeowners Insurance in North Texas?
Q: Why is homeowners insurance more expensive in DFW?
A: North Texas sees frequent hailstorms and severe weather. As a result:
-
Insurance rates are higher than the national average
-
Roof replacements are common every 5–7 years
-
Rates vary significantly — shop around
Takeaway: Get quotes from multiple providers, especially if you're relocating. Insurance can swing your monthly payment up or down.
What’s the True Cost of Transportation in DFW?
Q: Is driving expensive in Dallas-Fort Worth?
A: DFW is spread out, and driving is essential. Here’s what to expect:
-
Gas prices: $3.20–$3.50/gallon (high octane)
-
Toll roads: Add $100–$200/month depending on your commute
-
Public transit: Limited in most suburbs
Takeaway: Plan for tolls and longer commutes. Fuel is affordable, but usage is higher.
Midway Through Planning? Let’s Talk.
Whether you're early in the process or actively house-hunting, our team at BlueFuse Group can guide you step-by-step — from comparing communities to managing costs. Book a no-pressure consultation to get clear on your next move.
Is Healthcare Affordable in Texas?
Q: How much is health insurance in Dallas-Fort Worth?
A: Healthcare is more affordable per service, but insurance costs are rising sharply:
-
Premiums expected to rise 30% by 2026
-
North Texas has strong in-network coverage, helping offset costs
-
Some families use faith-based health sharing programs to save significantly
Takeaway: Review your options. Premiums are climbing, but care is accessible and often cheaper than on the coasts.
Final Thoughts: Is Dallas-Fort Worth Affordable in 2025?
DFW is no longer the bargain it was five years ago, but it still offers excellent value compared to most major metros. Key takeaways:
-
Housing is still 5% below the national average
-
Overall cost of living is about 2% lower than the U.S. average
-
No state income tax is a huge win for your bottom line
Yes, living in DFW still works for most budgets — as long as you plan well.
If you're thinking about relocating to North Texas, especially family-friendly areas like Flower Mound or Southlake, let’s talk. We’d love to help you find your perfect fit.
FAQs About Living in DFW
Q: Is Dallas or Fort Worth more affordable?
A: Fort Worth is more affordable, with a median home price of $333,000 vs. Dallas at $435,000.
Q: Do all homes have HOA fees?
A: Not all homes have HOAs, but many newer communities do. Fees vary widely.
Q: Why are property taxes so high in Texas?
A: Because there's no state income tax, property taxes fund schools, roads, and local services.
Q: What is a MUD or PID?
A: These are special tax districts that help fund infrastructure in new developments.
Ready to Move to North Texas?
Let’s build your future together.
Whether you're relocating, buying your first home, or upsizing to your dream property, we’d be honored to help.
📞 Contact Brian White at 817-646-4244
🌐 Visit bluefuserealty.com
💬 Schedule a free consultation
God is good. Jesus has forgiven you. You are loved, and everything is possible.
About the Author
Brian White is the founder of the BlueFuse Group at eXp Realty, serving Flower Mound, Southlake, and the North Texas suburbs. A licensed full-time agent since 2014, Brian has helped 65+ families per year buy or sell with confidence through his proven Signature Sales Strategy and BLUEFUSE Buyer Blueprint. Recognized as a top eXp agent in Texas, Brian is known for his local expertise, faith-first leadership, and content that educates and empowers clients to move smart and build well.
