What is the median home price in Irving TX?

Irving's median home price is around $400,000, with options from $300K entry-level homes to $850K+ Las Colinas luxury estates. A 3% down payment would be approximately $12,000.

What are the best areas to buy a home in Irving TX?

Las Colinas offers luxury living with canals, golf courses, and Coppell ISD schools. Valley Ranch provides family-friendly amenities at mid-range pricing. Central Irving neighborhoods offer the most affordable entry points with DART rail access.

What school districts serve Irving TX?

Irving is served by three ISDs: Irving ISD for most of the city, Coppell ISD (ranked top 5 in Texas) for Las Colinas areas, and Carrollton-Farmers Branch ISD for northeastern sections. School district significantly impacts home values.

Which loan types work best for Irving home purchases?

Irving's median home price of $400,000 falls within both FHA and conforming loan limits, giving you the widest range of options: FHA loans from 3.5% down ($14,000) with credit scores as low as 550, conventional loans from 3% down ($12,000) with scores of 600+, and VA loans with zero down for eligible veterans. All major loan types are available for most Irving purchases.

What is the FHA loan limit in Irving, TX?

The 2026 FHA loan limit in Irving (DFW MSA) is $563,500 for a single-family home — well above Irving's median home price of $400,000. That means FHA financing is available for virtually all standard Irving 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 Irving purchase price, giving buyers a wide range of program options.

What is the conventional loan limit in Irving, TX?

The 2026 conforming loan limit is $832,750 for Irving 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 Irving's median price of $400,000, conventional financing easily covers all typical Irving purchases. The FHA loan limit in Irving 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 Irving, TX?

Credit score requirements vary by loan program for Irving homebuyers: FHA loans require 580+ for 3.5% down ($14,000 on the median Irving 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 ($12,000). 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 Irving, Texas?

Based on Irving's median home price of $400,000, a typical monthly payment with 20% down ($80,000) would be approximately $2,023/month including principal, interest, Dallas County property taxes, and homeowners insurance. First-time buyers can put as little as 3% down ($12,000) on conventional or 3.5% ($14,000) on FHA loans, though monthly payments will be higher with mortgage insurance. Our Irving mortgage calculator factors in exact Dallas County tax rates by school district — try it to see personalized numbers for your budget.

How much are property taxes in Irving, Dallas County?

Property tax rates in Irving vary by school district and special taxing districts within Dallas County, typically ranging from 1.8% to 2.8% of assessed value. On a $400,000 home, that's roughly $733/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 Irving calculator uses verified rates from the Dallas County Appraisal District — enter any address to see exact tax estimates.

What down payment assistance programs are available in Irving?

Irving homebuyers in Dallas 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 Dallas 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 ($14,000 on a $400,000 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 Irving?

Our average closing time for Irving 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 Irving sellers. Pre-approved buyers often close even faster since appraisal and underwriting begin immediately. We coordinate directly with Dallas 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 Irving?

The first step is getting pre-approved — it's free, takes about 15 minutes, and gives you a clear picture of your Irving home buying budget. Pre-approval shows sellers you're a serious, qualified buyer and strengthens your offer in competitive Dallas 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 Dallas County taxes. Start your free pre-approval online or call us to discuss your Irving home buying goals.

Irving TX Home Loans | FHA, VA, Conventional & Jumbo

<div style="max-width:1200px;margin:0 auto;padding:20px;font-family:system-ui,sans-serif;" role="main" aria-label="Irving mortgage information"> <nav style="font-size:14px;color:#718096;margin-bottom:20px;" aria-label="Breadcrumb"> <a style="color:#2563eb;" href="https://www.patrickglaros.com">Home</a> > <a style="color:#2563eb;" href="https://www.patrickglaros.com/cities">Cities</a> > <span>Irving</span> </nav> <main> <article> <header> <h1 style="color:#1a365d;margin-bottom:10px;font-size:2rem;">Buy Your Irving Home — We Handle the Mortgage</h1> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Irving TX mortgage expert — Las Colinas corridor & DFW Airport area. FHA, VA, conventional & jumbo at competitive rates. 21-day average close. See your options — no credit check. Patrick Glaros</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Get pre-approved in minutes, not days. Local Dallas County expertise with personalized service from application to closing.</p> </header> <p style="color:#2563eb;font-size:1.1rem;font-weight:600;margin:15px 0;">Strategic Heart of the Metroplex</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Irving Appeals to Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Irving's location between Dallas and Fort Worth creates exceptional connectivity and employment opportunities. The city hosts major corporate headquarters including ExxonMobil, Toyota Music Factory, and numerous Fortune 500 operations. DFW International Airport, partially located within Irving's boundaries, supports both employment and travel convenience.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The city's diverse housing market accommodates various budgets and preferences, from affordable entry-level properties to luxury estates in Las Colinas. Irving's multicultural population creates welcoming communities, while strong infrastructure and established neighborhoods provide stability for families.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">With a population of approximately 266,000, Irving ranks as the fifth-largest city in the DFW metroplex, combining suburban comfort with urban sophistication. The city delivers exceptional value with strategic location advantages.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>ExxonMobil headquarters and Fortune 500 corporate presence</li> <li>DFW International Airport within city boundaries</li> <li>Las Colinas - one of North Texas premier master-planned communities</li> <li>Toyota Music Factory and diverse entertainment options</li> <li>Three quality school districts: Irving ISD, Coppell ISD, Carrollton-Farmers Branch ISD</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Frequently Asked Questions About Irving Home Loans</h2> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What is the median home price in Irving?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">The median home price in Irving is currently competitive pricing, with prices changing steadily year-over-year. Irving offers diverse neighborhoods from entry-level homes around $300K to Las Colinas luxury estates over $850K. At the median price of $380,000, a 3.5% FHA down payment comes to just $13,300.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">How long do homes stay on the market in Irving?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Irving homes currently average 30 days on market. Well-priced homes in desirable areas like Valley Ranch and Las Colinas often sell within 4-6 weeks. Pre-approved buyers can present a stronger offer and close in as little as 21 days.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What are the best neighborhoods in Irving for families?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Valley Ranch offers excellent amenities and schools, while Las Colinas areas within Coppell ISD provide top-rated education. Irving Heights and central Irving neighborhoods offer affordability with good school access. Our local expertise across Irving's three school districts helps match families to the right neighborhood.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What school districts serve Irving?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Irving is served by three ISDs: Irving ISD (majority of city), Coppell ISD (Las Colinas areas - ranked #5 in Texas), and Carrollton-Farmers Branch ISD (northeastern sections). Use our Irving mortgage calculator to compare monthly payments across neighborhoods in each district.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">What are property taxes like in Irving?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Irving property taxes range from 2.1% to 2.4% depending on the school district. Coppell ISD areas typically have slightly higher rates due to premium services. Get pre-approved in about 15 minutes to see how property taxes factor into your total monthly payment.</p> </details> <details style="margin:10px 0;border:1px solid #e2e8f0;border-radius:8px;padding:0;"> <summary style="padding:12px 15px;cursor:pointer;font-weight:600;color:#2d3748;">How do I get pre-approved for a home loan in Irving?</summary> <p style="padding:0 15px 12px;color:#4a5568;line-height:1.6;margin:0;">Getting pre-approved for an Irving home loan takes about 15 minutes online. You'll need basic income and asset information — no hard credit pull for the initial consultation. Pre-approval shows Irving sellers you're a serious, qualified buyer and can help you close in as little as 21 days. With pre-approval, you'll know exactly which loan programs fit your situation, whether that's conventional, FHA, VA, or jumbo financing in Dallas County. Start your free pre-approval today to shop Irving neighborhoods with confidence.</p> </details> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Irving Neighborhoods by Price Range</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Explore Irving neighborhoods organized by home price to find the perfect fit for your budget.</p> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Entry-Level to Mid-Market Homes ($200,000 - $400,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Irving Heights</strong> - Homes from $300,000 to $400,000</li> <li><strong>Northwest Park / Plymouth Park</strong> - Homes from $300,000 to $350,000</li> <li><strong>South Irving</strong> - Homes from $200,000 to $350,000</li> </ul> </div> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Mid-Market to Upper-Mid Homes ($400,000 - $600,000)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Hospital District</strong> - Homes from $400,000 to $450,000</li> <li><strong>Valley Ranch</strong> - Homes from $450,000 to $550,000</li> </ul> </div> <div style="background:#f8fafc;padding:15px;border-radius:8px;margin:10px 0;border:1px solid #e2e8f0;"> <h3 style="color:#4a5568;margin-top:20px;">Luxury Market Homes ($600,000 - $850,000+)</h3> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Las Colinas</strong> - Homes from $600,000 to $1,200,000</li> </ul> </div> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">School Districts in Irving</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Irving is served by highly-rated school districts, making it ideal for families.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Irving ISD</strong> - B</li> <li><strong>Coppell ISD</strong> - A+</li> <li><strong>Carrollton-Farmers Branch ISD</strong> - B+</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Major Employers Near Irving</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Convenient commutes to major employment centers make Irving an attractive location for professionals.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li>Las Colinas Business District</li> <li>DFW International Airport</li> <li>ExxonMobil Campus</li> <li>Toyota Music Factory District</li> <li>Valley Ranch Corporate Center</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Why Buy a Home in Irving?</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Airport Access:</strong> DFW International Airport partially within city limits - unmatched travel convenience.</li> <li><strong>Corporate Hub:</strong> ExxonMobil headquarters, Fortune 500 companies, and major employers throughout.</li> <li><strong>Central Location:</strong> Strategic position between Dallas and Fort Worth with quick access to both metros.</li> <li><strong>Las Colinas:</strong> Premier 12,000-acre master-planned community with world-class amenities.</li> <li><strong>Entertainment:</strong> Toyota Music Factory, Irving Convention Center, and Mandalay Canal District.</li> <li><strong>Diverse Housing:</strong> Options from affordable $300K homes to $850K+ Las Colinas luxury estates.</li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Mortgage Options for Irving Homebuyers</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Find the right financing for your Irving home purchase in Dallas County with these mortgage programs:</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>FHA Loans</strong>: Government-backed loans with 3.5% down and flexible credit requirements starting at 550 FICO. Most Irving homes fall within the $563,500 DFW FHA loan limit.</li> <li><strong>VA Loans</strong>: Zero down payment for eligible veterans, active-duty military, and surviving spouses. No PMI and competitive rates — no loan limit with full entitlement.</li> <li><strong>Conventional Loans</strong>: Fixed-rate and adjustable-rate mortgages with as little as 3% down. Irving homes up to $832,750 qualify for conforming loan rates.</li> <li><strong>Jumbo Loans</strong>: Financing for properties exceeding the $832,750 conforming limit. Competitive rates for qualified borrowers with 700+ credit scores and 10-20% down.</li> <li><strong>DSCR Loans</strong>: Investment property financing qualifying on rental income, not personal income. 20-25% down payment.</li> <li><strong>Construction Loans</strong>: Interim construction financing for custom home builds with two-time close and construction-to-permanent takeout options.</li> <li><strong>Texas VLB Loans</strong>: Texas Veterans Land Board home loans for veterans and active-duty military with below-market rates.</li> <li><strong>Non-QM Loans</strong>: Bank statement, asset-based, and alternative income documentation for self-employed borrowers.</li> <li><strong>Home Refinancing</strong>: Rate-and-term, cash-out, and streamline refinance options for current Irving homeowners.</li> </ul> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">The 2026 conforming loan limit for Dallas County is $832,750. VA-eligible buyers have no loan limit with full entitlement. <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Use our mortgage calculator</a> to see current rates and payment estimates for Irving.</p> </section> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Try our interactive Irving calculators: <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Payment Calculator</a>, <a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/affordability-calculator">Affordability Calculator</a>, and <a style="color:#2563eb;" href="https://www.patrickglaros.com/irving-home-loans#calculators">Buydown Calculator</a> — all pre-loaded with Dallas County tax rates and live PMMS interest rates.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Seller-paid temporary buydowns (2-1 or 3-2-1) can reduce your Irving mortgage payment by $400–$900/month in the early years. <a style="color:#2563eb;" href="https://www.patrickglaros.com/irving-home-loans#calculators">Try our Buydown Calculator</a> to compare options with your specific home price.</p> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Dallas County Property Tax Data</h2> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Our Irving calculators use verified property tax rates from the Dallas County Appraisal District — not generic estimates or national averages. Texas has no state income tax, making accurate property tax calculations essential for budgeting.</p> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><strong>Data Source:</strong> Dallas County Appraisal District official rates</li> <li><strong>Coverage:</strong> Tax rates broken down by city, school district, and special districts</li> <li><strong>MUD/PID:</strong> Municipal Utility Districts and Public Improvement Districts included where applicable</li> <li><strong>Exemptions:</strong> Homestead exemption ($100,000 school district exemption), over-65, disability, and veteran exemptions supported</li> <li><strong>Updates:</strong> Rates verified and updated annually from County Appraisal District sources</li> </ul> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Property taxes in Dallas County vary significantly by school district and location. Our calculators let you select your specific school district for accurate monthly payment estimates in Irving.</p> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Contact Your Irving Mortgage Expert</h2> <address style="font-style:normal;background:#f7fafc;padding:20px;border-radius:8px;margin-top:20px;"> <p style="color:#4a5568;line-height:1.6;margin:10px 0;"><strong>Patrick Glaros</strong></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Producing Branch Manager</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Directions Home Loan</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">NMLS #308804</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Phone: <a style="color:#2563eb;" href="tel:(469) 399-2411">(469) 399-2411</a></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Email: <a style="color:#2563eb;" href="mailto:pglaros@directionshomeloan.com">pglaros@directionshomeloan.com</a></p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;"><a style="color:#2563eb;" href="https://www.google.com/maps?cid=18250188646545171064" rel="noopener">View on Google Maps</a> · 5.0 star rating on Google Reviews</p> </address> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">FHA, VA, and conventional loans available for Irving — find the best fit for your budget. Free pre-approval in 15 minutes.</p> <p style="color:#4a5568;line-height:1.6;margin:10px 0;">Ready to buy in Irving? Contact Patrick Glaros for personalized mortgage guidance and competitive rates.</p> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">More Dallas County Cities</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/dallas-home-loans">Dallas Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/richardson-home-loans">Richardson Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/sachse-home-loans">Sachse Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/grand-prairie-home-loans">Grand Prairie Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/mesquite-home-loans">Mesquite Home Loans</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/garland-home-loans">Garland Home Loans</a></li> </ul> </section> <section> <h2 style="color:#2d3748;margin-top:30px;font-size:1.5rem;">Explore More</h2> <ul style="list-style-type:disc;padding-left:20px;color:#4a5568;"> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/cities">Browse all DFW cities →</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/neighborhoods">Explore DFW neighborhoods →</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/mortgage-calculator">Mortgage Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/affordability-calculator">Affordability Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/calculators/refinance-calculator">Refinance Calculator</a></li> <li><a style="color:#2563eb;" href="https://www.patrickglaros.com/dscr-calculator">DSCR Calculator</a></li> </ul> </section> </article> </main> </div>