Oak Leaf, Texas.
Typical home $449,382 (+0.6% in a year). Dallas-Fort Worth-Arlington, TX metro.
to buy the typical home at today's mortgage rate — +$1,271 (+117%) since Jan 2020.
- 1 year
- Up $2,605 +1%
- $446,777$449,382 since Sep 2025
- 5 years
- Up $75,052 +20%
- $374,330$449,382 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.
- Oak Leaf$2,359
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Oak Leaf, TX rose 0.6% over the past year — slower than the nation's +1.2%.
Living in Oak Leaf, Ellis County, Texas
Oak Leaf is a city of 1,552 people in Ellis County. 97% of its homes are lived in by their owners and 3% are rented. Unemployment in Ellis County was 4.3% in August 2026, and the county had 3.1% 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 It can be wrong or out of date.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. Oak Leaf is a small city in Ellis County, Texas, and almost every home in it is lived in by the people who own it. Poverty is rare here, and incomes run well above what is typical in the county overall. Homes carry high values, and a good share of adults hold a four-year degree.
Work. Residents work mostly in schools, hospitals and social care, with many others in shops, in transport, warehouses and utilities, and in professional and business services. Across Ellis County, the largest workplaces include Waxahachie ISD, Target and Midlothian ISD, and the county has been adding jobs. Commutes are moderate, and a fair number of people work from home.
Things to do. Winters are mild, with little or no snow, and summers get quite hot, so outdoor plans suit the cooler months best. For a day out, the Dallas Museum of Art and the George W. Bush Presidential Center are both museums, and Six Flags Over Texas is an amusement park. All of them are a longer drive away.
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- 568households
- 42%of adults have a degree
- 3%below the poverty line
- 25 mintypical commute
- 18%work from home
What residents work in
Employed residents by industry, from the Census survey. Ellis County had 64,686 jobs in 2025, 3.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 56° and lows near 34°; warmest in August, with highs near 95° and lows near 74°. About 41 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Waxahachie weather station, 6 miles away (NOAA).
Largest workplaces in Ellis County
- Waxahachie ISDSchool district1,614FTE
- TargetDiscount department stores1,263
- Midlothian ISDSchool district1,229FTE
- Gerdau MidlothianMini-mills, steel1,149
- Red Oak ISDSchool district966FTE
- Ennis ISDSchool district815FTE
- Baylor SW Medical Center- WaxahachieGeneral hospital814FTE
- Dart Container WaxahachieFoam polystyrene products manufacturing791
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 169 workplaces with 20 or more staff, 23,755 people in all across the county; Oak Leaf has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- HailRelatively high
- Cold wavesRelatively high
- WildfireRelatively moderate
- LightningRelatively moderate
- Heat wavesRelatively moderate
- Inland floodingrelatively high in parts of Oak LeafRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Oak Leaf’s census tracts, against the rest of the country; all of them together, relatively low. 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 Ellis County and the Dallas-Fort Worth-Arlington, TX metro.
Oak Leaf home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oak Leaf$449,382
- Texas$296,424
- United States$366,157
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
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oak Leaf9
Zip codes with a Oak Leaf address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oak Leaf — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.