Ellis County, TX Real Estate Guide | Denise Abrams
Ellis County is one of DFW's fastest-growing counties, offering small-town charm, historic Victorian architecture in Waxahachie, and explosive new construction in Midlothian. Located south of Dallas along I-35E, Ellis County attracts buyers priced out of Dallas and Tarrant counties with affordable prices, lower tax rates, and top-rated schools. Midlothian is one of the fastest-growing cities in Texas.
Population
230,000+
Cities Served
4+
FHA Limit (2025)
$524,225
Cities in Ellis County
FHA Loan Limits — Ellis County (2025)
The 2025 FHA loan limit for Ellis County, Texas is $524,225 for a single-family home. These limits apply to all cities within Ellis County including Waxahachie, Midlothian, Ennis, Red Oak, and more. FHA loans require as little as 3.5% down with a 580+ credit score.
1-Unit
$524,225
2-Unit
$671,200
3-Unit
$811,275
4-Unit
$1,008,300
Down Payment Assistance — Ellis County
Ellis County Market Overview
Ellis County offers some of DFW's best affordability with median home prices ranging from $220,000 in Ennis to $310,000 in Midlothian. New construction is extremely active, particularly in Midlothian and Waxahachie. The county's lower property tax rates (compared to Dallas and Tarrant counties) add to the value proposition. The 2025 FHA loan limit of $524,225 covers virtually all homes in Ellis County.
Ellis County Real Estate FAQ
Answered by Denise Abrams · TREC #613383-B
What is the FHA loan limit for Ellis County, TX?
The 2025 FHA loan limit for Ellis County, Texas is $524,225 for a single-family home. This applies to all Ellis County cities including Waxahachie, Midlothian, Ennis, and Red Oak.
Is Midlothian a good place to buy a home?
Yes. Midlothian is one of DFW's fastest-growing cities with top-rated Midlothian ISD schools, new construction master-planned communities, and excellent value compared to northern DFW suburbs. Median home prices around $310,000 offer strong value.
Does Ellis County qualify for USDA loans?
Yes. Many areas in Ellis County qualify for USDA Rural Development loans with 0% down payment. Eligible areas include parts of Waxahachie, Ennis, and rural communities. Denise Abrams can verify USDA eligibility for specific properties.
Why are homes cheaper in Ellis County than Dallas County?
Ellis County offers lower land costs, lower property tax rates, and more available land for development compared to Dallas County. The trade-off is longer commutes to Dallas employment centers, though I-35E provides reasonable access.
Who is the best real estate agent in Ellis County?
Denise Abrams is a Texas Real Estate Broker (TREC #613383-B) with 27+ years of DFW experience serving Ellis County. Contact Denise at deniseabrams.com.
Expert Author · E-E-A-T Verified
Denise built her track record closing 1,000+ transactions in California before bringing that expertise to Texas. Licensed in both states, she brings 27 years of real estate, mortgage, and credit knowledge to every DFW client.
Denise Abrams · Texas Real Estate Strategist & Broker · TREC #613383-B · Affiliated with NB Elite Realty #592599-BB