Richardson Homes for Sale
This is the buyer side of Richardson: 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 Richardson home values guide.
The Richardson listings that fit you, sent to you
Tell us the price range, bedrooms and must haves. We send you the current Richardson 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 Richardson home costs to own
Zillow reported the typical home value at about $437,000, up 0.6 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 Richardson, Richardson ISD, Dallas County, Parkland and Dallas College rates on the Dallas County side, about $2.24 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 | $43,700 | $2,723 | $816 | $3,539 |
| 20 percent down | $87,400 | $2,421 | $816 | $3,237 |
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 Richardson
1950s and 1960s ranches in the original neighborhoods near downtown and Canyon Creek, 1970s and 1980s houses in the north and east, and newer construction around CityLine and UT Dallas. Each pocket draws a different buyer and a different budget, so pick the pocket before you pick the house.
- Canyon Creek and nearby streets: the larger lots in the city.
- The original neighborhoods near downtown and the Richardson Heights area: mid century ranches and the entry point to the city.
- CityLine and the UT Dallas corridor: newer townhomes and apartments near the Red and Silver lines.
Richardson is the practical choice for buyers who want RISD or PISD schools, DART access and a reasonable price. Most of the housing stock is fifty years old, so inspect systems and foundations with care.
What to check before you offer in Richardson
- 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.
- 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.
Richardson schools
Richardson ISD serves the Dallas County side of the city and Plano ISD serves the Collin County side. Richardson, Berkner and Pearce high schools serve the Richardson ISD side, and Plano ISD high schools, including Plano Senior and Plano East, serve the Collin County side. The RISD magnet programs draw students from across the area.
How buying a Richardson 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 Dallas Central Appraisal District or Collin CAD, depending on the 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 Dallas County property tax page so the first bill is not a surprise.
Want the current Richardson 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 Richardson
How much do I need to buy a home in Richardson?
At the typical home value of about $437,000, 10 percent down is $43,700 and 20 percent down is $87,400, 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 Richardson home?
Property tax runs at the 2026 City of Richardson, Richardson ISD, Dallas County, Parkland and Dallas College rates on the Dallas County side, about $2.24 per $100 (Dallas County Tax Office; the county rate goes to a November 3, 2026 tax rate election). At $437,000, that is about $816 a month before the homestead exemption. The value is set each year by the Dallas Central Appraisal District or Collin CAD, depending on the county.
What school district is Richardson in?
Richardson ISD serves the Dallas County side of the city and Plano ISD serves the Collin County side.
How do I see Richardson homes for sale?
Text (214) 600-3392 with your price range and must haves. We send the Richardson 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.