DFW Buyer & Investor Resource
DFW Property Tax Lookup
Before you buy in DFW, know your real monthly payment. Property taxes and homeowners insurance can add $800–$1,500+/month on top of principal and interest — and they vary significantly by county, city, and school district.
Relocating to DFW? Property Taxes & Insurance Have a Big Impact on Your Payment
Texas has no state income tax, but property taxes are among the highest in the nation — typically 2–3% of assessed value annually. On a $400,000 home, that's $8,000–$12,000/year in taxes alone, or $667–$1,000 added to your monthly payment. Before making an offer, always look up the specific tax rate for the property address and get homeowners insurance quotes for that area.
Step 1
Find Your County Appraisal District
Search by county name or city to find the right appraisal district, then click through to look up any property's assessed value and tax history.
Dallas County
Dallas Central Appraisal District (DCAD)
Avg Rate
2.0% – 2.8%
Tarrant County
Tarrant Appraisal District (TAD)
Avg Rate
2.1% – 2.9%
Collin County
Collin Central Appraisal District (CCAD)
Avg Rate
1.8% – 2.5%
Denton County
Denton Central Appraisal District (DCAD)
Avg Rate
1.9% – 2.6%
Rockwall County
Rockwall Central Appraisal District (RCAD)
Avg Rate
2.0% – 2.6%
Ellis County
Ellis Appraisal District (EAD)
Avg Rate
1.7% – 2.4%
Johnson County
Johnson County Appraisal District (JCAD)
Avg Rate
1.6% – 2.3%
Kaufman County
Kaufman Central Appraisal District (KCAD)
Avg Rate
1.8% – 2.5%
Parker County
Parker County Appraisal District (PCAD)
Avg Rate
1.5% – 2.2%
Step 2
How to Look Up a Specific Property's Tax Rate
Find the County
Use the lookup above to identify which county appraisal district covers the property address.
Search by Address
Click "Search Properties" and enter the street address on the CAD website to pull up the property record.
Check Assessed Value
Review the appraised value and compare it to the asking price. Lenders use the lower of appraised vs. purchase price.
Calculate Your Payment
Use the payment estimator below to see how the actual tax rate affects your monthly PITI payment.
Step 3
Calculate Your True Monthly Payment
Adjust the sliders to see how taxes and insurance affect your real PITI payment
True Monthly Payment Estimator
See how taxes & insurance affect your real payment
Principal & Interest
$2,096
Property Taxes/mo
$671
Insurance/mo
$233
Total PITI
$3,000
Taxes & insurance add $904/mo (30% of total payment) · Estimate only
Don't Forget Insurance
Texas Homeowners Insurance: What You Need to Know
Insurance is the other hidden cost that surprises relocating buyers. DFW's weather risk means premiums are higher than most of the country.
Texas Homeowners Insurance Is Higher Than the National Average
Due to hail, severe storms, and tornado risk, DFW homeowners typically pay $2,000–$4,500/year for standard coverage — significantly above the U.S. average of ~$1,700. Always get quotes before making an offer.
Hail & Wind Coverage Is Critical in DFW
Many standard policies now exclude or limit hail/wind coverage. Ask your agent specifically about hail deductibles (often 1–2% of dwelling value) and whether wind is included or requires a separate rider.
Insurance + Taxes = Your Real Monthly Payment
A $350K home with a 2.5% tax rate adds ~$729/month in taxes alone. Add $250–$375/month for insurance and your PITI payment is $1,000+ more than principal & interest alone. Always calculate the full payment.
Flood Zones Add Cost — Check FEMA Maps
Parts of DFW sit in FEMA flood zones. Flood insurance (required by lenders in Zone A/AE) runs $700–$2,500+/year and is NOT included in standard homeowners policies. Always check the flood zone before making an offer.
Insurance Checklist Before You Make an Offer
Get at least 3 insurance quotes before closing
Ask specifically about hail deductibles (1–2% of dwelling)
Confirm wind/hail is included — not excluded
Check FEMA flood zone map for the property
Ask if the roof age affects premium or coverage
Verify replacement cost vs. actual cash value coverage
Ask about pool, trampoline, or dog breed exclusions
Factor insurance into your pre-approval budget
Work With Denise
Not Sure What You Can Afford? Let's Run the Real Numbers.
Denise walks every buyer through a full payment analysis — including taxes, insurance, HOA, and MUD fees — before you ever make an offer. No surprises at closing.