ZIP 75228 vs ZIP 75040

75228 is one of 84 ZIP codes that lie mostly in Dallas County, TX.

Shaded by typical home value, it ranks 22 of the 37 nearby ZIPs shown.

11 school locations in 75228: 8 elementary, 2 middle, 1 high.

In alphabetical order: BAYLES EL, BRYAN ADAMS H S LEADERSHIP ACADEMY, CASA VIEW EL, CHARLES A GILL EL, and more on the ZIP page. Locations only — no ratings are shown here.

75040 is one of 84 ZIP codes that lie mostly in Dallas County, TX.

Shaded by typical home value, it ranks 31 of the 39 nearby ZIPs shown.

16 school locations in 75040: 8 elementary, 4 middle, 3 high, 1 other.

In alphabetical order: AUSTIN ACAD FOR EXCELL, BUSSEY MIDDLE, COOPER EL, FREEMAN EL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 75228 was worth $76,616.

Values peaked at $305,693 in May 2024. The latest reading is −10.0% from that peak.

As of August 2026: $275,181, −2.4% over twelve months.

Start with the typical home: $275,181. Put 20% down and borrow $220,145 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,524 a month in principal and interest.

The median household here earns $59,617 a year, $4,968 a month. So the payment takes 30.7% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 8.5% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $459.

In December 2020, with rates at 2.68%, it was $740.

By August 2026, at 6.67%, it was $1,416 — +91% since December 2020, while the home's value moved +20%.

Reported values rose +259% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $151,210. So the real change is +82%, not +259%.

75228: +259% since January 2000.

Dallas County: +211% since January 2000.

Texas: +160% since January 2000 — 75228 ran ahead of it by 99 points.

Against 1,763 Texas ZIP codes, 75228 sits at the 22nd percentile for affordability (price vs local income).

28th for appreciation (recent value growth); 53rd for rental yield (rent vs price).

Owning the typical home costs about $1,799 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,443 a month.

Price divided by a year's rent: 15.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 75040 was worth $82,231.

Values peaked at $300,070 in May 2024. The latest reading is −9.0% from that peak.

As of August 2026: $273,070, −3.9% over twelve months.

Start with the typical home: $273,070. Put 20% down and borrow $218,456 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,513 a month in principal and interest.

The median household here earns $73,537 a year, $6,128 a month. So the payment takes 24.7% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 7.4% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $492.

In December 2020, with rates at 2.68%, it was $692.

By August 2026, at 6.67%, it was $1,405 — +103% since December 2020, while the home's value moved +28%.

Reported values rose +232% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $162,291. So the real change is +68%, not +232%.

75040: +232% since January 2000.

Dallas County: +211% since January 2000.

Texas: +160% since January 2000 — 75040 ran ahead of it by 72 points.

Against 1,763 Texas ZIP codes, 75040 sits at the 46th percentile for affordability (price vs local income).

15th for appreciation (recent value growth); 73rd for rental yield (rent vs price).

Owning the typical home costs about $1,786 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,738 a month.

Price divided by a year's rent: 13.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 68 a month (Redfin, 3-month rolling data through August 2026). That is 99% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 210.

Going out — closed sales: about 47 a month. That is 86% of the 2015–2019 level for the same months. The drain is drawn 57% narrower: the share of homes for sale that sell each month is 43% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.4 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 20 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 47 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 52 — so sales ran at 90% of it, and below it in 23 of the last 24 months.

Across Dallas County, builders pulled permits for 12,691 new homes in 2025.

Of those, 37% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 59 a month (Redfin, 3-month rolling data through August 2026). That is 85% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 140.

Going out — closed sales: about 45 a month. That is 81% of the 2015–2019 level for the same months. The drain is drawn 42% narrower: the share of homes for sale that sell each month is 58% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.1 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 45 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 55 — so sales ran at 82% of it, and below it in 24 of the last 24 months.

Across Dallas County, builders pulled permits for 12,691 new homes in 2025.

Of those, 37% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Dallas County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 37,687 moved in. Among the ten receiving the most, 52,152 moved out.

Net across those counties: −14,465 households. Beside it, homes for sale in this ZIP: 210 in June 2026.

Most arrivals came from Tarrant, TX (11,085 households); most departures went to Tarrant, TX (14,066).

This ZIP sits in Dallas County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 37,687 moved in. Among the ten receiving the most, 52,152 moved out.

Net across those counties: −14,465 households. Beside it, homes for sale in this ZIP: 140 in June 2026.

Most arrivals came from Tarrant, TX (11,085 households); most departures went to Tarrant, TX (14,066).