Garland Homes for Sale
This is the buyer side of Garland: what a home costs to own here, where buyers start, what to check before you offer, and how the purchase works in Texas. For location, lifestyle and pros and cons, see the Garland home values guide.
The Garland listings that fit you, sent to you
Tell us the price range, bedrooms and must haves. We send you the current Garland listings that fit, then the new ones as they come on, and we tour and negotiate with you. Your buyer agreement sets our fee up front; sellers often agree to pay some or all of it, and we negotiate for that in your offer.
What a Garland home costs to own
Zillow reported the typical home value at about $281,000, down about 2.9 percent year over year as of September 2026. Here is what a home at that price costs each month at the Freddie Mac Primary Mortgage Market Survey 30 year fixed average of 7.40 percent, as of October 15, 2026, with property tax at the 2026 City of Garland, Garland ISD, Dallas County, Parkland and Dallas College rates, about $2.39 per $100 (Dallas County Tax Office; the county rate goes to a November 3, 2026 tax rate election).
| Down payment | Cash down | Principal and interest | Property tax | Monthly before insurance |
|---|---|---|---|---|
| 10 percent down | $28,100 | $1,751 | $559 | $2,310 |
| 20 percent down | $56,200 | $1,556 | $559 | $2,115 |
Estimates, not a loan quote. Add homeowners insurance, any HOA dues, and mortgage insurance with less than 20 percent down. Your rate depends on your credit, loan type and points. The $140,000 homestead exemption lowers the school portion of the tax once the home is yours and you file. Run How Much Can You Afford with your own numbers.
Where buyers start in Garland
1950s through 1970s ranches on standard lots across most of the city, 1980s and 1990s neighborhoods in the north near Firewheel, and newer construction and lake oriented subdivisions in the east toward Rowlett. Each pocket draws a different buyer and a different budget, so pick the pocket before you pick the house.
- Firewheel and North Garland: the newest houses and the highest prices.
- Central Garland and the downtown area: mid century ranches and the Downtown Garland DART station.
- East Garland toward the lake: newer subdivisions and lake access.
Garland is where a first time buyer still finds a detached house near $300,000 inside Dallas County. Open enrollment in Garland ISD means the school zone matters less than elsewhere. Inspect 1960s houses carefully for foundation and plumbing.
First time buyers
At these prices a first purchase can pencil. We walk first time buyers through down payment assistance programs and the true monthly cost before they shop.
What to check before you offer in Garland
- Older houses. Budget for a foundation evaluation and a sewer line camera scope on top of the general inspection. Original cast iron or clay drain lines, older wiring and pier and beam foundations are the repairs that turn up after the option period if nobody looked.
- Newer homes. Hire your own inspector even on new construction, and ask the title company whether the lot sits in a MUD or PID. Those districts add a separate tax line that can change the monthly payment more than a few thousand dollars of price.
- Water nearby. Check the flood zone and the flood insurance quote before you write the offer. The Home Check pulls the FEMA zone for any address.
- Every house. Run the Home Check for the flood zone and any MUD or water district, use the total rate on the county tax bill for the monthly cost, and confirm the school zone on the exact address with the district.
Garland schools
Garland ISD serves the city with an open choice system, which lets students apply to any of its seven high schools. Small areas fall into Richardson, Dallas and Mesquite ISDs.
How buying a Garland home works in Texas
- Get preapproved. A lender letter with your real payment, not just the loan amount, so you shop at the right price.
- Sign a buyer agreement and tour. We send the listings that fit and tour with you. The agreement sets out what we do and how we are paid.
- Write the offer on the Texas contract. It names the price, the earnest money held by the title company, and an option fee that buys you a set number of days to inspect and walk away for any reason.
- Inspect during the option period. General inspection plus anything the house calls for from the list above. Negotiate repairs or a credit before the option period ends.
- Appraisal, survey and title. The lender orders the appraisal, the title company issues the title commitment, and you review the survey.
- Close and file your homestead. Once it is your home, file the free homestead application with the appraisal district for its county: DCAD for most of Garland, or Collin CAD or Rockwall CAD for the few edges in those counties. It cuts the school taxable value by $140,000, and starting the year after you qualify, it limits increases in the appraised value of the home to 10 percent a year. Tax rates can still change.
Before you tour, run the Home Check on any address for the flood zone and any MUD or water district, and read the Dallas County property tax page so the first bill is not a surprise.
Want the current Garland listings?
Text us the price range and bedrooms. We send the listings that fit, and the new ones as they come on.
Questions buyers ask about Garland
How much do I need to buy a home in Garland?
At the typical home value of about $281,000, 10 percent down is $28,100 and 20 percent down is $56,200, plus closing costs. First time buyers may qualify for down payment help, which our down payment assistance page covers.
What are property taxes on a Garland home?
Property tax runs at the 2026 City of Garland, Garland ISD, Dallas County, Parkland and Dallas College rates, about $2.39 per $100 (Dallas County Tax Office; the county rate goes to a November 3, 2026 tax rate election). At $281,000, that is about $559 a month before the homestead exemption. The value is set each year by the appraisal district for its county: DCAD for most of Garland, or Collin CAD or Rockwall CAD for the few edges in those counties.
What school district is Garland in?
Garland ISD serves the city with an open choice system, which lets students apply to any of its seven high schools.
How do I see Garland homes for sale?
Text (214) 600-3392 with your price range and must haves. We send the Garland listings that fit, set up the tours, and represent you on the offer. Texas law requires a written agreement with a buyer before an agent shows a home or presents an offer, so we sign one with you before the first tour. It states our fee, which is not set by law and is fully negotiable, and a seller may agree to pay some or all of it.