Desoto, Texas.
Typical home $319,395 (-1.2% in a year), asking rent $2,131 (-0.0%). Dallas-Fort Worth-Arlington, TX metro.
to buy the typical home at today's mortgage rate — +$833 (+99%) since Jan 2020.
- 1 year
- Down $3,913 -1%
- $323,308$319,395 since Sep 2025
- 5 years
- Up $32,757 +11%
- $286,638$319,395 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Desoto$1,676
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 32 years.
Typical home values in Desoto, TX fell 1.2% over the past year — slower than the nation's +1.2%.
Asking rents in Desoto, TX fell 0.0% over the past year — slower than the nation's +2.7%.
Owning the typical home in Desoto runs $309/mo more than renting one. The gap peaked at $643 in Oct 2022.
That is $2,440 a month against $2,131 rent: a $1,676 mortgage payment, plus $421 property tax and $342 insurance & upkeep.
Owning vs renting — Desoto
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,440
- Renting$2,131
- Mortgage only$1,676
Property tax · $421/mo 1.58% of value a year — the ACS 2020-2024 median bill over the median home value for Dallas County, TX
Insurance & upkeep · $342/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Desoto, Dallas County, Texas
Desoto is a city of 56,145 people in Dallas County. Half its households earn more than $82,782 a year and half less, against $76,547 across Dallas County; 8% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in Desoto was 5.7% in August 2026, and Dallas County had 0.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Desoto is a city in Dallas County where most homes are lived in by their owners, and household incomes run above the county's. The population is middle-aged on the whole, and fewer residents live below the poverty line than you might expect for a city of this size. Winters are mild and brief, with the coldest days in January still staying above freezing by afternoon, while summers get hot, especially in August. Rain or melted snow falls through the year at a moderate rate.
Work. Residents work mostly in schools, hospitals and social care, in shops, in transport, warehouses and utilities, and in professional and business services. Among the largest workplaces in Desoto are Desoto ISD, Solar Turbines and Walmart. Many people commute a fair way to work, and a share of residents work from home. Unemployment has edged up slightly over the past year, and job growth across Dallas County has been close to flat.
Things to do. The best-known places nearby are AT&T Stadium, a stadium, and the Cotton Bowl, another stadium, and each is a longer drive away. For a day out, the Dallas Museum of Art and the Dallas Zoo are both a longer drive away as well. Six Flags Over Texas, an amusement park, is also a longer drive from town.
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- 20,693households
- 30%of adults have a degree
- 8%below the poverty line
- 31 mintypical commute
- 17%work from home
What residents work in
Employed residents by industry, from the Census survey. Dallas County had 1,829,643 jobs in 2025, 0.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 57° and lows near 38°; warmest in August, with highs near 96° and lows near 75°. About 38 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Dallas Redbird Airport weather station, 6 miles away (NOAA).
Largest workplaces in Desoto
- Desoto ISDSchool district743FTE
- Solar TurbinesGas turbines manufacturing543
- WalmartGeneral warehousing and storage537
- OntracCouriers and express delivery services480
- Faith Family AcademySchool district336FTE
- WalmartWarehouse clubs and supercenters315
- Square CabinetryCabinets, kitchen, stock or custom wood, manufacturing305
- Glasfloss IndustriesAir filter manufacturing297
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 35 workplaces with 20 or more staff, 5,134 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Heat wavesVery high
- HailRelatively high
- Cold wavesRelatively high
- TornadoesRelatively high
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Desoto’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Dallas County and the Dallas-Fort Worth-Arlington, TX metro.
Desoto home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Desoto$319,395
- Texas$296,424
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Desoto listings, and the typical home goes pending in 28 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Desoto32.53%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Desoto28
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Desoto177
New listings per month
Sellers arriving at the market.
- Desoto42
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Desoto$317,275
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Desoto99.06%
Zip codes with a Desoto address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Desoto — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.