Plano Homes for Sale
This is the buyer side of Plano: 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 Plano home values guide.
The Plano listings that fit you, sent to you
Tell us the price range, bedrooms and must haves. We send you the current Plano 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 Plano home costs to own
Zillow reported the typical home value at about $498,000, down 3.3 percent from a year earlier 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 Plano, Plano ISD, Collin County and Collin College rates, about $1.70 per $100 before any MUD or PID (Collin County Tax Office).
| Down payment | Cash down | Principal and interest | Property tax | Monthly before insurance |
|---|---|---|---|---|
| 10 percent down | $49,800 | $3,103 | $707 | $3,810 |
| 20 percent down | $99,600 | $2,758 | $707 | $3,465 |
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 Plano
1970s and 1980s houses on standard lots in east and central Plano, 1990s and 2000s houses in the west and north, estates in Willow Bend and Kings Gate, and newer townhomes and urban product around Legacy West and downtown. Each pocket draws a different buyer and a different budget, so pick the pocket before you pick the house.
- West Plano and Willow Bend: the highest prices in the city.
- Central Plano and the original neighborhoods: the middle of the market.
- East Plano in 75074: the entry point, with the lowest prices in Plano.
Zillow had the typical Plano home value down 3.3 percent over the year as of September 2026, so there is room to negotiate. Pick the ZIP code and the school zone first, because the price difference across the city is wide.
Corporate relocations
Many Plano buyers are relocating for jobs at the Legacy West and Tollway headquarters. We run those searches remotely with video walkthroughs and digital signatures so you can close before you arrive.
What to check before you offer in Plano
- 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.
- Condos and townhomes. Ask for the resale certificate, the association budget, the reserve study and the last year of board minutes before the option period ends. Dues, special assessments and rental rules decide whether the unit fits you more than the finishes do.
- 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.
- 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.
Plano schools
Plano ISD covers nearly all of the city, with Plano, Plano East and Plano West senior high schools. Small areas fall into Frisco ISD, Lewisville ISD and Allen ISD.
How buying a Plano 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 Collin CAD, or Denton CAD for the few Plano homes in Denton County. 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 Collin County property tax page so the first bill is not a surprise.
Want the current Plano 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 Plano
How much do I need to buy a home in Plano?
At the typical home value of about $498,000, 10 percent down is $49,800 and 20 percent down is $99,600, 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 Plano home?
Property tax runs at the 2026 City of Plano, Plano ISD, Collin County and Collin College rates, about $1.70 per $100 before any MUD or PID (Collin County Tax Office). At $498,000, that is about $707 a month before the homestead exemption. The value is set each year by Collin CAD, or Denton CAD for the few Plano homes in Denton County.
What school district is Plano in?
Plano ISD covers nearly all of the city, with Plano, Plano East and Plano West senior high schools.
How do I see Plano homes for sale?
Text (214) 600-3392 with your price range and must haves. We send the Plano 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.