Terrell, Texas.
Typical home $278,114 (-0.8% in a year), asking rent $1,598 (+3.9%). Dallas-Fort Worth-Arlington, TX metro.
to buy the typical home at today's mortgage rate — +$748 (+105%) since Jan 2020.
- 1 year
- Down $2,170 -1%
- $280,284$278,114 since Sep 2025
- 5 years
- Up $29,544 +12%
- $248,571$278,114 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.
- Terrell$1,460
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 31 years.
Typical home values in Terrell, TX fell 0.8% over the past year — slower than the nation's +1.2%.
Asking rents in Terrell, TX rose 3.9% over the past year — faster than the nation's +2.7%.
Owning the typical home in Terrell runs $548/mo more than renting one. The gap peaked at $788 in Jan 2025.
That is $2,146 a month against $1,598 rent: a $1,460 mortgage payment, plus $388 property tax and $298 insurance & upkeep.
Owning vs renting — Terrell
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$2,146
- Renting$1,598
- Mortgage only$1,460
Property tax · $388/mo 1.68% of value a year — the ACS 2020-2024 median bill over the median home value for Kaufman County, TX
Insurance & upkeep · $298/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 Terrell, Kaufman County, Texas
Terrell is a city of 17,465 people in Kaufman County. Half its households earn more than $65,842 a year and half less, against $89,485 across Kaufman County; 16% of its people live below the poverty line. 59% of its homes are lived in by their owners and 41% are rented. Unemployment in Kaufman County was 4.7% in August 2026, and the county had 5.0% 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. Terrell is a city in Kaufman County, east of Dallas, and its population is on the younger side, with a median age below what is common across much of the country. Incomes here run below the county's, more households live below the poverty line than most would expect, and most homes are lived in by their owners, though renters make up a real part of the community. Few adults hold a four-year degree, and the typical commute is a fairly long one.
Work. Residents work mostly in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, and in professional and business services. Among the largest workplaces in Terrell are Madix, which makes store fixtures and displays, Terrell State Hospital, and Terrell ISD, the school district. Unemployment in the county is a little higher than it was a year earlier, though the county has added jobs over the past year.
Things to do. The best-known places nearby are all a longer drive away, mostly in and around Dallas. Lake Ray Hubbard is a reservoir for time on the water, the Dallas Museum of Art is a museum for an afternoon indoors, and Reunion Tower is a well-known tourist attraction. Winters are mild and summers are very hot, so lake trips suit the warmer months.
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- 5,857households
- 16%of adults have a degree
- 16%below the poverty line
- 27 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. Kaufman County had 45,719 jobs in 2025, 5.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 57° and lows near 36°; warmest in August, with highs near 96° and lows near 74°. About 38 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Terrell Municipal Airport weather station, 2 miles away (NOAA).
Largest workplaces in Terrell
- MadixFixtures, store display, manufacturing942
- Terrell State HospitalPsychiatric hospital845FTE
- Terrell ISDSchool district626FTE
- WalmartRefrigerated warehousing and storage434
- Nucor Buildings Systems-TexasBuildings, prefabricated metal, manufacturing400
- Glass and Glazing SystemsAluminum bar made by extruding purchased aluminum311
- WalmartWarehouse clubs and supercenters301
- Cart.com - TerrellGeneral warehousing and storage208
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 31 workplaces with 20 or more staff, 4,340 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts 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
- HailRelatively high
- Heat wavesRelatively high
- Cold wavesRelatively high
- TornadoesRelatively high
- Winter weatherRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Terrell’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 Kaufman County and the Dallas-Fort Worth-Arlington, TX metro.
Terrell home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Terrell$278,114
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 3 Terrell listings, and the typical home goes pending in 51 days — the market is heating up.
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.
- Terrell29.24%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Terrell51
- United States24
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Terrell206
New listings per month
Sellers arriving at the market.
- Terrell43
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Terrell$289,741
- United States$371,553
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Terrell96.38%
Zip codes with a Terrell address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Terrell — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Terrell
| 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 |
|---|---|---|---|---|
| 75160 | Terrell | 28,206 | $1,571 | $259,239 |
| 75161 | Terrell | 8,011 | — | $353,788 |