Plano, Texas.
Typical home $497,714 (-3.3% in a year), asking rent $1,736 (+0.5%). Dallas-Fort Worth-Arlington, TX metro.
to buy the typical home at today's mortgage rate — +$1,326 (+103%) since Jan 2020.
- 1 year
- Down $17,149 -3%
- $514,864$497,714 since Sep 2025
- 5 years
- Up $65,385 +15%
- $432,330$497,714 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.
- Plano$2,612
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 25 years.
Typical home values in Plano, TX fell 3.3% over the past year — slower than the nation's +1.2%.
Asking rents in Plano, TX rose 0.5% over the past year — slower than the nation's +2.7%.
Owning the typical home in Plano runs $2,065/mo more than renting one. The gap peaked at $2,494 in May 2024.
That is $3,801 a month against $1,736 rent: a $2,612 mortgage payment, plus $656 property tax and $533 insurance & upkeep.
Owning vs renting — Plano
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$3,801
- Renting$1,736
- Mortgage only$2,612
Property tax · $656/mo 1.58% of value a year — the ACS 2020-2024 median bill over the median home value for Collin County, TX
Insurance & upkeep · $533/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 Plano, Collin County, Texas
Plano is a city of 285,494 people in Collin County. Half its households earn more than $112,253 a year and half less, against $121,600 across Collin County; 7% of its people live below the poverty line. 57% of its homes are lived in by their owners and 43% are rented. Unemployment in Plano was 4.3% in August 2026, and Collin County had 2.9% more jobs in 2025 than the year before. The most residents work in professional services, then schools and health care.
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. Plano is a large city in Collin County, home to a good many people, with a median age somewhat below what many older homeowners might expect. Most households have incomes that sit a little below the county's, and a modest share of residents live below the poverty line. More homes are lived in by their owners than by renters, and a large majority of adults hold a four-year degree. Winters are mild, with January the coldest month, while summers are hot, with August the warmest, and a fair amount of rain through the year.
Work. Residents work mostly in professional and business services, in schools, hospitals and social care, in banks, insurance and property, and in shops. Among the largest workplaces in Plano are Plano ISD, Ericsson and Medical City Plano. The typical commute is a fairly short drive, and a good number of people work from home. Collin County added jobs last year, and unemployment in Plano is a little higher than a year earlier.
Things to do. A short drive away, Toyota Stadium is a stadium for sport and large events, and Southfork Ranch is a museum on a well-known ranch. A longer drive brings you to the Dallas Museum of Art, one of the larger art museums in the region, and to the George W. Bush Presidential Center, another museum. For a day out, these make an easy mix of sport, history and art.
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- 112,438households
- 60%of adults have a degree
- 7%below the poverty line
- 25 mintypical commute
- 28%work from home
What residents work in
Employed residents by industry, from the Census survey. Collin County had 562,572 jobs in 2025, 2.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 56° and lows near 36°; warmest in August, with highs near 95° and lows near 74°. About 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Richardson weather station, 4 miles away (NOAA).
Largest workplaces in Plano
- Plano ISDSchool district6,367FTE
- EricssonVoip service providers, using client-supplied telecommunications connections5,945
- Medical City PlanoGeneral hospital2,215FTE
- AT&TWired telecommunications carriers1,524
- Children's Medical Center of PlanoChildren's hospital1,485FTE
- Texas Health Presbyterian Hospital PGeneral hospital1,472FTE
- THE Heart Hospital Baylor PlanoGeneral hospital1,131FTE
- Greenstaff Medical StaffingTemporary staffing services1,109
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 198 workplaces with 20 or more staff, 39,387 people in all. 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
- TornadoesVery high
- HailRelatively high
- Heat wavesRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Plano’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 Collin County and the Dallas-Fort Worth-Arlington, TX metro.
Plano home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Plano$497,714
- 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 Plano listings, and the typical home goes pending in 33 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.
- Plano37.52%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Plano33
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Plano957
New listings per month
Sellers arriving at the market.
- Plano246
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Plano$505,968
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Plano98.02%
Zip codes with a Plano address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Plano — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Plano
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 75074 | Plano | 53,831 | $1,663 | $362,198 |
| 75025 | Plano | 53,202 | $2,167 | $545,917 |
| 75023 | Plano | 49,229 | $1,894 | $413,745 |
| 75093 | Plano | 47,954 | $1,684 | $738,271 |
| 75024 | Plano | 45,652 | $1,777 | $628,592 |
| 75075 | Plano | 38,135 | $1,608 | $456,334 |