White Settlement, Texas.
Typical home $215,286 (-2.2% in a year), asking rent $1,546 (+5.4%). Dallas-Fort Worth-Arlington, TX metro.
to buy the typical home at today's mortgage rate — +$560 (+98%) since Jan 2020.
- 1 year
- Down $4,878 -2%
- $220,164$215,286 since Sep 2025
- 5 years
- Up $22,612 +12%
- $192,674$215,286 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.
- White Settlement$1,130
- 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 White Settlement, TX fell 2.2% over the past year — slower than the nation's +1.2%.
Asking rents in White Settlement, TX rose 5.4% over the past year — faster than the nation's +2.7%.
Owning the typical home in White Settlement runs $109/mo more than renting one. The gap peaked at $429 in Apr 2024.
That is $1,656 a month against $1,546 rent: a $1,130 mortgage payment, plus $295 property tax and $230 insurance & upkeep.
Owning vs renting — White Settlement
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$1,656
- Renting$1,546
- Mortgage only$1,130
Property tax · $295/mo 1.65% of value a year — the ACS 2020-2024 median bill over the median home value for Tarrant County, TX
Insurance & upkeep · $230/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 White Settlement, Tarrant County, Texas
White Settlement is a city of 18,269 people in Tarrant County. Half its households earn more than $56,784 a year and half less, against $84,207 across Tarrant County; 13% of its people live below the poverty line. 61% of its homes are lived in by their owners and 39% are rented. Unemployment in Tarrant County was 4.4% in August 2026, and the county had 0.8% 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. White Settlement is a city on the west side of the Fort Worth area, in Tarrant County. Residents are somewhat younger than in much of the country, and most homes are lived in by their owners, though there are more renters than in many towns. Household incomes are well below the county's, and a four-year degree is less common among adults than elsewhere. Summers are hot and winters are mild by northern standards, with the cold months staying cool rather than harsh, and a moderate amount of rain and melted snow falling through the year.
Work. Many residents work in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, and in the building trades. White Settlement ISD is the largest workplace in town, followed by SPM Service Center - Fort Worth, which makes oil and gas field drilling equipment, and Cia&d, a maker of rack and panel connectors. The typical commute is moderate, and a small share of people work from home. Across Tarrant County, unemployment has stayed close to where it was a year ago, and the number of jobs has edged up.
Things to do. A short drive brings you to Fort Worth's cultural side, including the Amon Carter Museum of American Art, the Modern Art Museum of Fort Worth and the Fort Worth Zoo. For bigger days out, AT&T Stadium and Six Flags Over Texas are a longer drive away. The Fort Worth Water Gardens, a garden in the city's centre, are also a short drive.
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- 6,509households
- 17%of adults have a degree
- 13%below the poverty line
- 23 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Tarrant County had 1,017,941 jobs in 2025, 0.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 59° and lows near 37°; warmest in July, with highs near 97° and lows near 76°. About 33 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Fort Worth Nas weather station, a mile away (NOAA).
Largest workplaces in White Settlement
- White Settlement ISDSchool district846FTE
- SPM Service Center - Fort WorthDrilling equipment, oil and gas field-type, manufacturing491
- Cia&dRack and panel connectors manufacturing151
- BTCInstitutional building construction general contractors68
- Student Transportation of America48541064
- ABC SupplyRoofing siding and insulation merchant wholesalers54
- Caraday of Ft. WorthNursing homes52
- Biomat HoldingsBlood and organ banks50
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 9 workplaces with 20 or more staff, 992 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
- HailRelatively high
- TornadoesRelatively high
- Heat wavesrelatively high in parts of White SettlementRelatively moderate
- Cold wavesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in White Settlement’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 Tarrant County and the Dallas-Fort Worth-Arlington, TX metro.
White Settlement home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- White Settlement$215,286
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 3 White Settlement listings — 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.
- White Settlement28.91%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- White Settlement61
New listings per month
Sellers arriving at the market.
- White Settlement18
Median sale price
What buyers actually paid — closed sales, not asking prices.
Not enough data to draw this yet.
Zip codes with a White Settlement address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls White Settlement — 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.