Dallas County Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Dallas County has a relatively low county tax rate but adds Parkland Hospital ($0.212), Dallas College ($0.106575), and city and school district taxes. Combined property tax in Dallas County typically totals 2.1-2.4% depending on city and school district.
Loan Details
$70,000 · LTV 80%
Buyer Profile
Extra Payment
Optional principal-only payment used to estimate payoff speed and interest savings.
Monthly Payment
$1,770 Principal & Interest · $305 Property Taxes · $125 Other
Methodology and limitations
Last reviewed:
Methodology
Uses standard principal-and-interest mortgage math, then models housing-cost inputs such as tax, insurance, PMI, and extra-payment scenarios where available.
Limitations
Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.
Official sources
Dallas County Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Texas
Dallas County has a relatively low county tax rate but adds Parkland Hospital ($0.212), Dallas College ($0.106575), and city and school district taxes. Combined property tax in Dallas County typically totals 2.1-2.4% depending on city and school district.
Use this mortgage calculator for Dallas County, Texas to estimate the monthly payment with principal, interest, configured annual taxes, eligible exemptions, and assistance programs when the buyer profile matches the conditions.
What This Estimate Uses
- Geographic level: county
- Configured property tax rate: 1.67%
- Configured benefits or exemptions: 9
- Reviewed sources: 7
What Changes in Dallas County, Texas
- Data level used: county. This page uses the most specific available data layer for Dallas County, Texas.
- Configured combined annual property tax rate: 1.67% before exemptions and buyer-specific conditions are applied.
- Configured down payment assistance programs: TSAHC Home Sweet Texas, TDHCA My First Texas Home.
Local Tax Assumptions
These are the annual tax assumptions configured for this page. The calculator applies them to the appropriate value, then accounts for exemptions or conditions when the buyer selects them.
- School District (ISD) Property Tax — 1.140%
- County Property Tax — 0.215%
- Parkland Hospital District — 0.212%
- Dallas College (DCCCD) — 0.107%
Programs and Exemptions Included
These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.
- ISD Homestead Exemption — $100,000 (requires: primary residence)
- Local Optional Homestead — 20% (requires: primary residence, local optional homestead exemption is offered)
- Age 65+ ISD Tax Ceiling — $10,000 (requires: primary residence, buyer is age 65 or older)
- Disabled Veteran Exemption — $12,000 (requires: primary residence, buyer is a disabled veteran)
- Dallas County Homestead Exemption — 20% (requires: primary residence)
- TSAHC Home Sweet Texas — 5% of loan (requires: first-time buyer, primary residence, income is below the program cap)
- TDHCA My First Texas Home — 5% of loan (requires: all buyers are first-time buyers, primary residence, income is below the program cap)
- Mortgage Credit Certificate (MCC) — 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)
- Texas MCC — 20% of mortgage interest (requires: first-time buyer, primary residence, income is below the program cap, buyer has a Mortgage Credit Certificate)
When This Estimate Can Change
- The actual property tax bill depends on the address, overlapping taxing jurisdictions, approved exemptions, and appraised value.
- Home insurance, flood insurance, HOA dues, and PMI can vary by property, lender, and buyer profile.
- Configured closing costs include Title Insurance (Texas promulgated rate), but other settlement charges may appear on a real loan estimate.
Local Data and Sources
Last editorial verification: June 3, 2026. This page combines the official data layers configured for Dallas County, Texas.
The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, Texas Comptroller residence homestead exemptions, Texas Department of Insurance title premium rates, TSAHC homebuyer assistance, TDHCA My First Texas Home, Dallas County Tax Office — 2025 Tax Rates, Dallas Central Appraisal District — Tax Rates. Each source lists which rate, exemption, or program it validates and when it was last reviewed.
- Consumer Financial Protection Bureau mortgage cost guidance — verified May 3, 2026 — General U.S. mortgage closing-cost and mortgage-cost guidance.
- Texas Comptroller residence homestead exemptions — verified May 3, 2026 — Official source for Texas homestead exemption and appraisal-cap rules.
- Texas Department of Insurance title premium rates — verified May 3, 2026 — Official source for Texas promulgated title insurance premium rate tables.
- TSAHC homebuyer assistance — verified May 3, 2026 — Official source for TSAHC DPA program availability and limits.
- TDHCA My First Texas Home — verified May 3, 2026 — Official source for TDHCA first-time buyer assistance and MCC program rules.
- Dallas County Tax Office — 2025 Tax Rates — verified June 3, 2026 — Official source for Dallas County adopted tax rate of $0.215500 per $100 and exemption info.
- Dallas Central Appraisal District — Tax Rates — verified June 3, 2026 — Official source for Dallas County property tax rates and exemption schedules.
Frequently Asked Questions
What is the property tax rate in Texas?
Texas has no state property tax. Local rates average 1.6-2.2% and are the sum of school district, county, city, and special district levies.
What first-time buyer programs exist in Texas?
TSAHC Home Sweet Texas and TDHCA My First Texas Home both offer down payment assistance up to 5% of the loan, subject to current program limits. The Texas MCC provides an annual federal tax credit of up to $2,000.
How does the Texas homestead exemption work?
Primary residences receive a $100,000 school district exemption, plus an optional 20% local exemption (capped at $5,000 minimum). Appraised value can only rise 10% per year while homesteaded.
What is the Dallas County property tax rate?
Dallas County adopted a rate of $0.215500 per $100 valuation for 2025, unchanged from 2024. Combined with other entities, the total rate for a typical Dallas address is approximately 2.22%.
Does Dallas County offer a homestead exemption?
Yes. Dallas County offers a 20% homestead exemption (minimum $5,000). The City of Dallas also offers a 20% homestead exemption plus a $175,000 over-65/disabled exemption.
Are property taxes in Dallas County high?
Dallas County's own rate is a modest $0.215500 per $100, but Parkland Hospital ($0.212), Dallas College ($0.106575), and your city/school district add significantly. Total combined rates typically land between 2.1% and 2.4%, making Dallas County a mid-range option among major Texas counties.
How much does the Parkland Hospital district add to my Dallas County tax bill?
Parkland Hospital District adds $0.212 per $100 of assessed value — roughly $636 per year on a $300,000 home. That's about 10% of your total property tax bill in Dallas County.
Dallas County vs. Tarrant County: Which has lower property taxes?
Tarrant County has the lower county rate at $0.186200 per $100 vs. Dallas County's $0.215500. For a $300,000 home, the county-level difference is about $88 per year. But Tarrant lacks a major trauma hospital district like Parkland, and city rates vary. Tarrant's lower overall combined rates can save you $200-$500 annually depending on city and school district.