09/24/2025
Moving into your first home together is more than just a milestone — it’s a leap toward building roots. If you’re in the Dallas–Fort Worth area, here’s what today’s market looks like — and how you can make it work for you.
📍 DFW Market Snapshot (2025)
• Inventory in DFW is up ~53%, with more homes than we’ve seen in years — and about 66% of homes are now selling below list price.
MDRE Group
• Home prices are cooling — many neighborhoods are seeing price drops of 3–12%.
MDRE Group
• In Dallas, the average home value is around $306,602, down ~4.8% year-over-year.
Zillow
🏦 Mortgage & Loan Trends in Texas / DFW
• In Texas today, 30-year fixed mortgage rates average 6.56%, and 15-year fixed around 5.88%.
Bankrate
• In Dallas specifically, 30-year fixed offers are being quoted near 5.998% (APR ~6.107%) for qualified buyers.
texasunitedmortgage.com
• Good news: Texas mortgage rates have dipped to their lowest level of 2025.
alpinebanker.com
• This fall is looking like a “buyer’s window,” with rates easing toward ~6.5% in DFW and homes being negotiated below list.
MDRE Group
💡 What This Means for You
• You have more negotiating power. Because inventory is higher, sellers are more flexible on price, repairs, and incentives.
• Lock in while rates are falling. Even small rate movement can save you hundreds per month over the life of a loan.
• Explore all loan options—FHA, conventional, or first-time buyer programs can help with down payments or closing costs.
• Work with a lender who understands DFW’s neighborhoods (Plano, Frisco, McKinney, Arlington, etc.). Local insight helps find value.
Ready to see what you can afford in your ZIP code? I’d love to run numbers based on your timeline, credit, and preferences. Send me a message — I’m here to guide you home.