Rockwall, Texas.
Typical home $472,474 (-0.9% in a year), asking rent $1,764 (+1.5%). Dallas-Fort Worth-Arlington, TX metro.
to buy the typical home at today's mortgage rate — +$1,283 (+107%) since Jan 2020.
- 1 year
- Down $4,481 -1%
- $476,955$472,474 since Sep 2025
- 5 years
- Up $59,252 +14%
- $413,223$472,474 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.
- Rockwall$2,480
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 26 years.
Typical home values in Rockwall, TX fell 0.9% over the past year — slower than the nation's +1.2%.
Asking rents in Rockwall, TX rose 1.5% over the past year — slower than the nation's +2.7%.
Owning the typical home in Rockwall runs $1,828/mo more than renting one. The gap peaked at $2,066 in Oct 2023.
That is $3,592 a month against $1,764 rent: a $2,480 mortgage payment, plus $606 property tax and $506 insurance & upkeep.
Owning vs renting — Rockwall
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$3,592
- Renting$1,764
- Mortgage only$2,480
Property tax · $606/mo 1.54% of value a year — the ACS 2020-2024 median bill over the median home value for Rockwall County, TX
Insurance & upkeep · $506/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 Rockwall, Rockwall County, Texas
Rockwall is a city of 47,251 people in Rockwall County. Half its households earn more than $115,580 a year and half less, against $127,981 across Rockwall County; 4% of its people live below the poverty line. 72% of its homes are lived in by their owners and 28% are rented. Unemployment in Rockwall was 3.9% in August 2026, and Rockwall County had 5.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
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. Rockwall is a city east of Dallas, and the people who live here are somewhat older than is typical of a young, growing suburb, with a high share of adults who hold a four-year degree. Most homes are lived in by their owners, and household incomes are comfortable, though a little below the county's as a whole. Few residents live below the poverty line, and homes cost more than in much of the country. Winters are mild and rarely bring snow, summers are hot, and a fair amount of rain falls through the year.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in shops, or in manufacturing. Rockwall ISD, Texas Health Rockwall and Channell Commercial are among the largest workplaces in town. Rockwall County added jobs over the past year, and unemployment in town is unchanged from a year ago. Commutes run long, and a good number of people work from home.
Things to do. Lake Ray Hubbard, a large reservoir, is a short drive away and is the nearest place for time on the water. For a day out, Dallas and its surroundings are a longer drive away. The Dallas Museum of Art and the Sixth Floor Museum at Dealey Plaza are museums there, and the Dallas Zoo is also within reach on a longer trip.
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- 18,273households
- 49%of adults have a degree
- 4%below the poverty line
- 32 mintypical commute
- 19%work from home
What residents work in
Employed residents by industry, from the Census survey. Rockwall County had 43,738 jobs in 2025, 5.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 54° and lows near 34°; warmest in August, with highs near 93° and lows near 73°. About 40 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Lavon Dam weather station, 9 miles away (NOAA).
Largest workplaces in Rockwall
- Rockwall ISDSchool district2,223FTE
- Texas Health Rockwall571
- Channell CommercialUtility containers, plastics, manufacturing420
- Pegasus FoodsPrepared meals, perishable, packaged for individual resale416
- dBA Virginia Rose, H&S ConsultingPlastics bag and pouch manufacturing338
- Costco WholesaleWholesale grocer321
- Shipman Fire ProtectionSprinkler system, building, installation264
- TargetDiscount department stores209
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 46 workplaces with 20 or more staff, 5,606 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
- TornadoesVery high
- HailRelatively high
- Heat wavesRelatively high
- Strong windRelatively high
- Cold wavesrelatively high in parts of RockwallRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Rockwall’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 Rockwall County and the Dallas-Fort Worth-Arlington, TX metro.
Rockwall home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Rockwall$472,474
- 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 Rockwall listings, and the typical home goes pending in 60 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.
- Rockwall37.24%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Rockwall60
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Rockwall506
New listings per month
Sellers arriving at the market.
- Rockwall96
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Rockwall$467,755
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Rockwall97.81%
Zip codes with a Rockwall address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Rockwall — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Rockwall
| 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 |
|---|---|---|---|---|
| 75087 | Rockwall | 44,326 | $1,820 | $443,560 |
| 75032 | Rockwall | 39,865 | $1,808 | $524,193 |