Garland 75040

Dallas-Fort Worth-Arlington, TX · Dallas County, TX · 37,730 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

62affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
23.2%
affordable
Days on market
43
daily
Price cuts
28.2%
of active
Valuation
+258%
vs assessor
Look up an address
44
/100
Mixed
cooling · seller slight · prices easing year-over-year.
Price trend
1
Affordability
95
Valuation
20
Economic health
62

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

29/ 100SellerBalancedBuyer
Seller's Market
DOM: 60d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)0
Days on Market (5%)60

Seller-favored market in 75040. Expect to pay at or near list price. Payment burden: 23.2% of median income. Median days on market: 60. Renting is approximately 13% cheaper than buying (price-to-rent ratio: 13.6).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 4.3% YoY.

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Market snapshoteach number, once

Median price
$280,916
▾ 4.3% YoY
Days on market
43
daily · zip_data
Median rent
$1,720
ZORI
Investor score
66/100
cash-flow lens
Active listings
144
90-day

Valuation3 lenses, different anchors

vs assessor
+258.0%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$1,005,600
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+77.9%
County-wide market — the widest, slowest signal.
Dallas+77.9%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$214
Price-to-income3.8×

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How 75040 ranks in TX
percentile vs all Texas ZIPs · n=1763
Market velocity77%
Supply tightness67%
Affordability46%
Investment yield74%
Appreciation13%

Affordability, supply & momentum

37SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply20.7 mo
Days on Market43d
Inv vs History-4.0%
Listing Density7.2/1k
Affordability — payment burden
Monthly payment (P&I)$1,419
Payment burden23.2%
Median income · ZIP$73,537
Mortgage rate6.49% · 30yr
Total monthly own$1,700
Monthly rent$1,720
Market dynamics
Price cut %28.2%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply20.7
Sales (90d)0
Investment analysis
Median rent$1,720
Price-to-rent13.6
Est. cap rate4.8%
Buy vs rentfavors buying

Livability

Walk score2
Transit score4
Bike score—

Historical trends

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Dallas County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Dallas–Fort Worth Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Dallas County