Commercial

Owner Occupied Commercial Real Estate in Dallas, TX

Dallas is a city of 1.3 million people, and Custom Mortgage arranges Owner Occupied Commercial Real Estate loans there and elsewhere in Dallas County, including Uptown and Deep Ellum. At $320,700, the median home value in Dallas runs 6% ahead of the Dallas County figure of $303,000 (Census ACS 2020-2024 5-year). Dallas County's 2026 conforming limit, $832,750, is 2.6 times that median, so loan size seldom binds.

The Dallas median household income, $70,518, is 8% under the county's. Renters are the majority: just 42% of occupied homes are owner-occupied (51% countywide). The median home was built in 1981. For the renter majority, the benchmark is a median gross rent of $1,472 a month.

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Owner Occupied Commercial Real Estate Highlights

  • Competitive rates to help you manage your cash flow.
  • Build equity in a valuable asset and secure your business's future.
  • Take advantage of potential tax benefits associated with commercial property ownership.
Full Owner Occupied Commercial Real Estate guide →

National Rate Index (Freddie Mac PMMS)

30-Year Fixed Rate

7.18%

as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05

Est. Monthly Payment in Dallas County

$1,887/mo

Based on $348,200 median · 20% down · P&I only

15-Year Fixed Rate

6.57%

as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05

Est. Monthly Payment in Dallas County

$2,437/mo

Based on $348,200 median · 20% down · P&I only

Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.

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Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).

Dallas County at a glance

Dallas median home value
$320,700
Source: Census ACS 5-year, Dallas city, Texas, 2020-2024
Dallas median household income
$70,518
Source: Census ACS 5-year, Dallas city, Texas, 2020-2024
Dallas owner-occupied homes
42%
Source: Census ACS 5-year, Dallas city, Texas, 2020-2024
Dallas median year built
1981
Source: Census ACS 5-year, Dallas city, Texas, 2020-2024
Conforming loan limit (1 unit)
$832,750
Source: FHFA, 2026
Conforming loan limit (4 units)
$1,601,750
Source: FHFA, 2026
Median owner-occupied home value
$303,000
Source: Census ACS 5-year, 2024
Median household income
$76,547
Source: Census ACS 5-year, 2024
Owner-occupied homes
51%
Source: Census ACS 5-year, 2024
Home value to income ratio
4.0
Source: Census ACS 5-year (computed), 2024

Market Snapshot: Dallas County

Source: Redfin · 2026-01-31

Median Sale Price

$348,200

1.8% YoY

Median List Price

$390,000

Price / Sq Ft

$192.111

Days on Market

69

Active Listings

6,223

Homes Sold

1,117

Sale-to-List Ratio

96.7%

2026 Conforming Loan Limits: DALLAS

1-Unit (SFR)

$832,750

2-Unit (Duplex)

$1,066,250

3-Unit (Triplex)

$1,288,800

4-Unit (Fourplex)

$1,601,750

Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.

Local Market Insights

Owner Occupied Commercial Real Estate in Dallas, TX

Median Home$325,980
Population2.7M
MarketActive — Corporate Relocation Engine
Median Income$76,547
Homeowners51%
Median Rent$1,565/mo

Dallas County is exhibiting one of the most encouraging market signals in our Texas coverage: prices are up 1.8% year-over-year to a median of $348,200 while the broader Dallas-Fort Worth market has faced inventory pressure. That positive price momentum against 6,223 active listings and a 69-day average days on market reflects the fundamental strength of Dallas's role as the premier corporate relocation destination in the Sun Belt. Companies moving headquarters and regional offices to Dallas continue to drive consistent high-income household formation.

The 96.7% sale-to-list ratio confirms that sellers are pricing competitively but buyers are pushing back slightly on ask. New construction is a significant factor in Dallas County's supply equation — builders have been delivering at pace in McKinney, Frisco, and Prosper, creating choice for buyers that didn't exist in 2021. Conventional high-balance financing is the most common product category in the $350K-$600K range that dominates our Dallas County volume.

Dallas County attracts corporate relocation buyers from across the country, drawn by employer transfers to companies like AT&T, Toyota, State Farm, and the major financial services firms concentrated in Uptown and the Las Colinas corridor. These relocating professionals typically arrive with strong credit, sizeable liquid assets, and W-2 income that qualifies easily for conventional financing. We also see a significant first-time homebuyer segment drawn by Dallas's relative affordability compared to coastal alternatives — a buyer who cannot afford San Jose can often afford the Dallas equivalent.

Loan Officer Insight

Account for relocation package income carefully — many Dallas corporate transfers include bonus-based income that must be documented at least two years' history to qualify conventionally.

Service Areas & Neighborhoods

UptownDeep EllumBishop Arts DistrictHighland ParkPreston Hollow752017520475205

Our Dallas Presence

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200 Crescent Ct

Dallas, TX 75201

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Application Process

Six simple steps from application to funding

STEP 1

Application

Complete our streamlined online application form with your financial information

STEP 2

Document Review

Submit required documentation for verification and processing

STEP 3

Pre-Approval

Receive conditional approval and loan terms based on your profile

STEP 4

Title & Escrow

Open escrow and complete title search and insurance requirements

STEP 5

Appraisal & Final Review

Property appraisal completed and final underwriting approval received

STEP 6

Funding

Sign final documents and receive your loan funds

Why Choose Custom Mortgage?

Your trusted partner in real estate financing

Extensive Experience

Over 25 years of proven expertise in mortgage lending and real estate financing

Comprehensive Loan Options

Wide range of programs from conventional to specialized non-QM and hard money solutions

Nationwide Coverage

Licensed in multiple states with the ability to fund loans across the country

Flexible Solutions

Customized financing options for unique situations that traditional lenders decline

Competitive Rates

Access to wholesale pricing and volume discounts passed directly to our clients

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Mortgage Estimator

Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.

Estimated Monthly Payment
$2,275

Principal & Interest Only

Common Questions About Owner Occupied Commercial Real Estate in Dallas

Yes, by $512,050: $320,700 median versus a $832,750 one-unit limit.

At least $80,175 before closing costs (75% maximum LTV on $320,700). That is 1.2 years of a $70,518 median income.

4.5 times the $70,518 median household income, steeper than the county's 4.0. Debt-to-income limits usually set the loan size.

See all Owner Occupied Commercial Real Estate questions and program details

Owner Occupied Commercial Real Estate by Location

Get local rates, loan limits, and market data for Owner Occupied Commercial Real Estate in your area.

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Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995

TESTIMONIALS

Success stories from families and investors across the nation who achieved their goals with CMRE.

"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."

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RENE M

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ARTHUR G

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