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Dallas County · TX

Cost of living in Irving

By Mariela Lovo Ol, REALTOR® · Updated

The cost of living in Irving comes down to housing, property taxes, association fees, insurance, utilities and your commute. Texas has no personal income tax, so property and sales taxes do more of the work. Here is each piece with sourced numbers.

How much does housing cost in Irving?

Use the live market figures on this page, because prices move quickly and vary by area. A condo by Lake Carolyn, a house in Valley Ranch and an established home in south Irving fall in different ranges.

In Las Colinas, add the Las Colinas Association's annual assessment and any neighborhood HOA dues. Set a range with the affordability calculator, then browse Irving homes for sale.

What will property taxes add in Irving?

For tax year 2025, the Dallas County Tax Office lists these rates per $100 of value. Irving ISD: $1.0159. City of Irving: $0.5891. Dallas County: $0.2155. Parkland Hospital: $0.212. Dallas College: $0.106575.

That totals about $2.14 per $100 before exemptions for a home in the city and Irving ISD. Addresses in Carrollton-Farmers Branch ISD ($0.9481) or Coppell ISD ($0.9819) have different totals. See property taxes in Irving.

What should I budget for insurance in Irving?

Hail is the storm cost most buyers here plan around. The Texas Department of Insurance suggests comparing deductibles and whether the roof is paid at replacement cost or actual cash value.

Standard policies do not cover flood. Check the FEMA flood map for the address, especially near creeks and the Trinity River.

Which utilities will I pay in Irving?

The City of Irving bills water and related services, so open your account with the city before move-in. Oncor delivers electricity, and you choose a retail provider and plan on Power to Choose.

Summer air conditioning drives the largest bills. Compare plans at your expected usage and ask the seller about past summer bills.

What does getting around Irving cost?

The President George Bush Turnpike crosses near Las Colinas, and drivers without a TollTag pay twice the TollTag rate. SH 183, SH 114 and I-635 are toll-free main routes.

Irving is a DART member city. The Orange Line runs through Las Colinas to DFW Airport, and the Trinity Railway Express stops at two Irving stations.

What sales and income taxes apply in Irving?

Texas has no personal income tax. Irving's combined sales tax is 8.25%: the 6.25% state rate, 1% for the city and 1% for DART.

Common questions

What is the sales tax rate in Irving, TX?

The Texas Comptroller lists 8.25% combined in Irving. That is 6.25% state, 1% city and 1% for Dallas Area Rapid Transit.

What is the property tax rate in Irving?

For tax year 2025, a home in the City of Irving and Irving ISD faced about $2.14 per $100 of value before exemptions. Homes in other school districts have different totals.

What extra costs come with Las Colinas?

Las Colinas property owners pay the Las Colinas Association's annual assessment, and some neighborhoods add their own HOA dues. Condo owners also pay building HOA fees.

Sources

  1. QuickFacts: Dallas, Irving, Farmers Branch, Carrollton and Lewisville cities, Texas, U.S. Census Bureau (read 2026-09-24)
  2. Irving, Texas, Wikipedia (read 2026-09-24)
  3. Las Colinas Association, Las Colinas Association (read 2026-09-24)
  4. Irving Convention & Visitors Bureau, Irving Convention & Visitors Bureau (read 2026-09-24)
  5. City of Irving official website, City of Irving (read 2026-09-24)
  6. Irving ISD Schools of Choice, Irving Independent School District (read 2026-09-24)
  7. Carrollton-Farmers Branch ISD, Carrollton-Farmers Branch Independent School District (read 2026-09-24)
  8. Coppell ISD, Coppell Independent School District (read 2026-09-24)
  9. Texas School Report Cards (TXschools.gov), Texas Education Agency (read 2026-09-24)
  10. DART Rail, Dallas Area Rapid Transit (read 2026-09-24)
  11. DART to Airports, Dallas Area Rapid Transit (read 2026-09-24)
  12. TRE Stations, Trinity Railway Express (read 2026-09-24)
  13. Airport Facts & Figures, Dallas Fort Worth International Airport (read 2026-09-24)
  14. North Texas Tollway Authority, North Texas Tollway Authority (read 2026-09-24)
  15. Property Tax Exemptions, Texas Comptroller of Public Accounts (read 2026-09-24)
  16. Property Tax Protests and Appeals, Texas Comptroller of Public Accounts (read 2026-09-24)
  17. Special Purpose Districts, Texas Comptroller of Public Accounts (read 2026-09-24)
  18. Notice to Purchaser of Special Taxing or Assessment District (TREC 59-0), Texas Real Estate Commission (read 2026-09-24)
  19. Dallas Central Appraisal District, Dallas Central Appraisal District (read 2026-09-24)
  20. Homestead Exemption Application Filing, Dallas Central Appraisal District (read 2026-09-24)
  21. About Oncor, Oncor Electric Delivery (read 2026-09-24)
  22. Power to Choose, Public Utility Commission of Texas (read 2026-09-24)
  23. 2025 Tax Rates, Dallas County Tax Office (read 2026-09-24)
  24. Sales and Use Tax, Texas Comptroller of Public Accounts (read 2026-09-24)
  25. Texas Sales and Use Tax Rates – July 2026, Texas Comptroller of Public Accounts (read 2026-09-24)
  26. Starting a New Business (Fiscal Notes), Texas Comptroller of Public Accounts (read 2026-09-24)
  27. Valuing Property, Texas Comptroller of Public Accounts (read 2026-09-24)
  28. 2026 Statewide Multi-Year Ratings Spreadsheet, Texas Education Agency (read 2026-09-24)
  29. Irving Inspections Department, City of Irving (read 2026-09-24)
  30. Texas Health and Safety Code Section 757.002 – Application, Texas Health and Safety Code (via texas.public.law) (read 2026-09-24)
  31. Texas Property Code Section 82.157 – Resale of Units, Texas Property Code (via texas.public.law) (read 2026-09-24)
  32. 203(k) Rehabilitation Mortgage Insurance Program Types, U.S. Department of Housing and Urban Development (read 2026-09-24)
  33. HomeStyle Renovation mortgage, Fannie Mae (read 2026-09-24)
  34. Home insurance guide, Texas Department of Insurance (read 2026-09-24)
  35. FEMA Flood Map Service Center, FEMA (read 2026-09-24)
  36. North and Central Texas tornado climatology, National Weather Service Fort Worth (read 2026-09-24)
  37. Dallas/Fort Worth Climate Narrative, National Weather Service Fort Worth (read 2026-09-24)
  38. Texas Water Code Section 49.452 – Notice to Purchasers, Texas Water Code (via texas.public.law) (read 2026-09-24)
  39. Irving Arts Center, City of Irving (read 2026-09-24)

Last reviewed: 2026-09-24. Descriptions cover places and amenities, not the people who live there. We are committed to the Fair Housing Act.