What is the median home price in Denton?

The median home price in Denton is $370,000-$390,000 as of late 2025, down 7% year-over-year. Neighborhoods range from $280K in established areas to $550K+ in newer developments near Argyle. Try our Denton mortgage calculator to see exact monthly payments including Denton County property taxes at today's rates.

What financing options are available in Denton?

Multiple low and zero down payment programs exist for qualified buyers, including FHA loans (3.5% down), conventional loans (as low as 3% down), and various first-time buyer assistance programs.

What are Denton property taxes?

Denton property taxes average 2.05% of assessed value. On a $370K home, expect approximately $7,585/year. Various exemptions are available for eligible homeowners including homestead, over-65, and disability exemptions. Our calculator automatically applies Denton County rates so you can compare true costs across Denton neighborhoods.

Is Denton a good location for families?

Denton offers affordable housing compared to Dallas/Collin counties, good schools in Lewisville ISD areas, and convenient transportation access. The college town atmosphere provides diverse amenities and a vibrant community.

How competitive is the Denton housing market?

Denton has a balanced market with homes averaging 90 days on market. Inventory is up 41.7% year-over-year, giving buyers more selection and negotiating power than peak pandemic years. A pre-approval letter shows Denton sellers you're ready to close quickly — often in as little as 21 days.

How do I get pre-approved for a home loan in Denton?

Denton homebuyers can get pre-approved in about 15 minutes online — no hard credit pull for the initial consultation. Pre-approval shows sellers you're a serious buyer and can help you close in as little as 21 days. You'll know exactly which loan programs fit your situation, whether that's conventional, FHA, VA, or jumbo financing in Denton County. Start your free pre-approval today to shop Denton neighborhoods with confidence.

What mortgage programs work best for Denton TX buyers near UNT and TWU?

Denton's university community creates diverse financing needs. Faculty and staff at UNT and TWU often qualify for conventional loans with strong income documentation. Recent graduates benefit from FHA loans starting at 3.5% down — ideal for Denton's mid-range market (~$378K median). VA loans are an excellent option for student-veterans attending UNT's veteran-friendly programs. First-time buyers can combine FHA with TSAHC down payment assistance. Get pre-approved in 15 minutes to see your best program.

Is Denton TX an affordable market compared to Frisco or Plano?

Yes — Denton offers meaningful affordability within Denton County. With a median home price around $378K, Denton is notably less expensive than Frisco (~$530K) or Plano (~$490K) while offering excellent schools through Denton ISD, walkable historic downtown, and easy I-35E/35W access to all of DFW. UNT and TWU create a vibrant arts and culture scene. For buyers priced out of higher-demand Collin County cities, Denton delivers strong value and solid appreciation.

Which loan types work best for Denton home purchases?

Denton's median home price of $369,000 falls within both FHA and conforming loan limits, giving you the widest range of options: FHA loans from 3.5% down ($12,915) with credit scores as low as 550, conventional loans from 3% down ($11,070) with scores of 600+, and VA loans with zero down for eligible veterans. All major loan types are available for most Denton purchases.

What is the FHA loan limit in Denton, TX?

The 2026 FHA loan limit in Denton (DFW MSA) is $563,500 for a single-family home — well above Denton's median home price of $369,000. That means FHA financing is available for virtually all standard Denton home purchases, with as little as 3.5% down and credit scores starting at 580 (or 550 with 10% down). The conforming loan limit for conventional loans is $832,750, also far above the typical Denton purchase price, giving buyers a wide range of program options.

What is the conventional loan limit in Denton, TX?

The 2026 conforming loan limit is $832,750 for Denton and the entire DFW metro. Conventional loans up to this amount qualify for competitive interest rates, require only 3% down for first-time buyers, and avoid the FHA mortgage insurance premium structure. At Denton's median price of $369,000, conventional financing easily covers all typical Denton purchases. The FHA loan limit in Denton is also $563,500 — both limits are well above the median, giving buyers flexibility to choose the program that fits their financial profile.

What credit score do I need to buy a home in Denton, TX?

Credit score requirements vary by loan program for Denton homebuyers: FHA loans require 580+ for 3.5% down ($12,915 on the median Denton home) or 550+ with 10% down. Conventional loans need 600+ with AUS approval (620+ for manually underwritten loans) and offer as little as 3% down ($11,070). VA loans have no VA-mandated minimum — our company minimum is 550. Jumbo loans (above $832,750) typically require 700+. Even with lower scores, Non-QM options starting at 620+ may be available. We can review your credit profile and match you with the best program — get a free pre-approval to see your options.

How much home can I afford in Denton, Texas?

Based on Denton's median home price of $369,000, a typical monthly payment with 20% down ($73,800) would be approximately $1,866/month including principal, interest, Denton County property taxes, and homeowners insurance. First-time buyers can put as little as 3% down ($11,070) on conventional or 3.5% ($12,915) on FHA loans, though monthly payments will be higher with mortgage insurance. Our Denton mortgage calculator factors in exact Denton County tax rates by school district — try it to see personalized numbers for your budget.

How much are property taxes in Denton, Denton County?

Property tax rates in Denton vary by school district and special taxing districts within Denton County, typically ranging from 1.8% to 2.8% of assessed value. On a $369,000 home, that's roughly $676/month in property taxes. Texas has no state income tax, which partially offsets the higher property taxes. Some areas may include MUD (Municipal Utility District) or PID (Public Improvement District) fees. Our Denton calculator uses verified rates from the Denton County Appraisal District — enter any address to see exact tax estimates.

What down payment assistance programs are available in Denton?

Denton homebuyers in Denton County can access TSAHC (Texas State Affordable Housing Corporation) down payment assistance through two options: (1) a DPA Grant of 2-5% of the loan amount, forgiven after just 6 months — available with FHA, VA, or USDA loans, minimum 620 FICO; (2) a 3-Year Deferred Forgivable Second Lien of 2-5% at 0% interest, forgiven on the 3rd anniversary — available with all loan types including HFA Conventional, minimum 620-640 FICO. The Denton County income limit is $146,625 (Non-Bond DPA). First-time homebuyer status is NOT required for Non-Bond DPA. Teachers, veterans, police, firefighters, EMS, and corrections officers may qualify for the Homes for Texas Heroes program. FHA loans require just 3.5% down ($12,915 on a $369,000 home), and VA loans offer zero-down financing. Get pre-approved to see which DPA programs you qualify for.

How long does it take to close on a home in Denton?

Our average closing time for Denton home purchases is 21 days from contract to keys, compared to the industry average of 45+ days. This speed advantage makes your offer more competitive with Denton sellers. Pre-approved buyers often close even faster since appraisal and underwriting begin immediately. We coordinate directly with Denton County title companies and appraisers to prevent delays. Getting pre-approved before house hunting puts you in the strongest position.

What's the first step to buying a home in Denton?

The first step is getting pre-approved — it's free, takes about 15 minutes, and gives you a clear picture of your Denton home buying budget. Pre-approval shows sellers you're a serious, qualified buyer and strengthens your offer in competitive Denton County neighborhoods. You'll know exactly which loan programs you qualify for (conventional, FHA, VA, or jumbo), your maximum purchase price, and estimated monthly payment including Denton County taxes. Start your free pre-approval online or call us to discuss your Denton home buying goals.

Denton TX VA, FHA & Home Loans