Zip lookup · TX

75040
Garland, Texas.

Garland, Dallas County, TX · Dallas-Fort Worth-Arlington, TX metro · population 64,606

What it costs per month · 75040 $1,418/mo

to buy the typical home at today's mortgage rate — +$691 (+95%) since Jan 2020.

What the home itself did
1 year
Down $10,193 -4%
$280,426$270,233 since Sep 2025
5 years
Up $32,045 +13%
$238,188$270,233 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.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 75040 $1,418 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 75040$1,418
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 27 years.

Typical home values in zip 75040 fell 3.6% over the past year — slower than the nation's +1.2%.

Asking rents in zip 75040 fell 1.6% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 75040 runs $232/mo more than renting one. The gap peaked at $487 in Oct 2023.

That is $2,064 a month against $1,832 rent: a $1,418 mortgage payment, plus $357 property tax and $289 insurance & upkeep.

Owning vs renting — zip 75040

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.

$1,000 $1,500 $2,000 2018 2020 2022 2024 2026 Owning all in $2,064 Renting $1,832 Mortgage only $1,418
$1,000 $1,500 $2,000 2018 2022 2026
  • Owning all in$2,064
  • Renting$1,832
  • Mortgage only$1,418

Property tax · $357/mo 1.58% of value a year — the ACS 2020-2024 median bill over the median home value for Dallas County, TX

Insurance & upkeep · $289/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.

Zillow also publishes an index for the city itself: Garland, TX — measured over the city limits, which is a different area from this zip.

Asking rent $1,832 as of Sep 2026
-1.6%year on year
Typical home value $270,233 as of Sep 2026
-3.6%year on year

Asking rent — 75040

Against the Dallas-Fort Worth-Arlington, TX metro and the national benchmark.

$1,200 $1,400 $1,600 $1,800 2018 2020 2022 2024 2026 75040 $1,832 Dallas $1,659 United States $1,932
$1,200 $1,400 $1,600 $1,800 2018 2022 2026
  • 75040$1,832
  • Dallas$1,659
  • United States$1,932

Typical home value — 75040

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 2018 2020 2022 2024 2026 75040 $270,233 Dallas $358,242 United States $366,157
$200,000 $300,000 $400,000 2018 2022 2026
  • 75040$270,233
  • Dallas$358,242
  • United States$366,157

Within 20 miles

Showing 30 of 85 zips in range — sorting picks from all 85.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
3.1 75044 Garland 47,529 $1,506 $334,546
3.3 75042 Garland 38,112 $1,592 $267,850
3.7 75048 Sachse 30,993 $1,699 $429,164
3.7 75041 Garland 32,943 $1,490 $240,413
4.4 75089 Rowlett 35,619 $1,573 $369,830
5.1 75082 Richardson 29,618 $1,652 $547,139
5.3 75088 Rowlett 28,075 $1,674 $352,479
5.4 75081 Richardson 36,544 $1,607 $384,481
5.4 75043 Garland 63,152 $1,501 $282,150
6.1 75238 Dallas 33,199 $1,196 $631,232
6.3 75094 Plano 24,200 $3,048 $578,828
6.8 75243 Dallas 63,481 $1,076 $292,754
7.7 75218 Dallas 22,544 $1,788 $549,854
7.7 75080 Richardson 52,569 $1,780 $447,141
7.7 75098 Wylie 69,325 $1,874 $417,750
7.8 75150 Mesquite 62,738 $1,297 $248,356
7.9 75074 Plano 53,831 $1,663 $362,198
8.0 75228 Dallas 67,714 $1,428 $271,305
8.3 75231 Dallas 38,370 $1,340 $293,127
8.9 75251 Dallas 3,525 $1,603 —
9.5 75075 Plano 38,135 $1,608 $456,334
9.6 75182 Sunnyvale 8,336 — $635,968
9.8 75240 Dallas 25,290 $1,594 $392,204
9.9 75214 Dallas 34,274 $1,529 $838,981
10.1 75230 Dallas 27,763 $1,445 $1,059,317
10.4 75087 Rockwall 44,326 $1,820 $443,560
10.6 75248 Dallas 38,459 $1,431 $622,560
10.6 75254 Dallas 25,050 $1,320 $292,393
10.8 75225 Dallas 22,237 $2,927 $2,084,690
10.9 75149 Mesquite 58,262 $1,835 $233,380

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.