Irving TX Property Taxes and Your Mortgage Payment — 2026

I'm Bond Peter Njoku (NMLS #2670329), and Irving is one of the most relocation-heavy markets I work in — buyers moving here for jobs in Las Colinas, at DFW Airport, or with one of the corporate headquarters clustered along State Highway 114. Dallas County's combined effective tax rate runs around 2.0% of assessed value in 2026, right in the middle of the DFW range. Higher than Collin or Denton County, lower than Tarrant. If you're comparing an Irving home to one in Coppell or Flower Mound, the tax rate is a real part of that comparison, and I want you to see the actual number before you fall for a floor plan.

What is the property tax rate in Irving TX for 2026?

Your Irving tax bill combines Dallas County, the City of Irving, your school district, the Parkland Hospital District, and Dallas College. Irving ISD covers most of the city, but the northern edge near Valley Ranch and Las Colinas falls into Coppell ISD or Carrollton-Farmers Branch ISD, and those districts tax at different rates. Combined, the effective rate is close to 2.0% for 2026. I verify the exact taxing units through the Dallas Central Appraisal District (DCAD) for each specific property, because the ISD boundary can run down the middle of a neighborhood.

How much does a mortgage cost in Irving TX, taxes included?

Full math on a $355,000 Irving home — near the 2026 median — with 10% down ($35,500) on a 30-year loan at 7.0%:

• Principal & interest: $319,500 loan → about $2,126/month
• Property taxes: $355,000 × 2.0% = $7,100/year → about $592/month
• Homeowners insurance: roughly $145/month in Dallas County
• Full PITI payment: approximately $2,863/month before homestead exemption

The $592 tax figure is escrowed monthly and paid to Dallas County on your behalf. The same $355,000 home in Collin County at roughly 1.5% would escrow about $444/month for taxes — a $148/month difference driven purely by which county line the house sits behind.

How much does the homestead exemption save me in Irving?

After you move in as your primary residence, you file a general homestead exemption with DCAD. The state exemption removes $100,000 of value from school-district taxation, and the City of Irving and Dallas County both apply an additional percentage-based homestead exemption — Dallas County's is 20% of value. On a $355,000 home taxed near 2.0%, the school-district portion of the state exemption saves roughly $1,000 a year, and the local percentage exemptions typically bring total annual savings to the $1,200–$1,900 range. File it after closing; I tell every Irving client to submit within 90 days.

Do Irving property taxes affect what mortgage I qualify for?

They do. Your debt-to-income ratio is built on the full PITI payment, so Dallas County's 2.0% rate reduces your maximum loan versus a same-income buyer in Collin or Denton County. On a $355,000 Irving home, the $592/month tax escrow weighs on your DTI about like an extra $89,000 of loan principal. I always run Irving pre-approvals with the true DCAD rate for the correct school district. If your ratios are close to the limit, an FHA loan in Irving gives you more DTI headroom than conventional.

What other exemptions can lower my Irving tax bill?

Owners 65 and older receive an additional homestead exemption and an Irving ISD school-tax ceiling that freezes the district portion of the bill. Disabled homeowners qualify for a similar exemption, and disabled veterans get a partial-to-total exemption tied to their VA rating. Every Irving owner can also protest the appraised value with DCAD each spring — the informal hearing with recent comparable sales is the most productive route, and a win reduces your escrow going forward.

How do I keep my Irving mortgage payment manageable despite the 2.0% rate?

A few things help. File the homestead exemption the week you close so the year-two escrow adjustment works in your favor. On financing, compare a permanent rate buydown (paying discount points up front) against a temporary 2-1 buydown funded by a seller credit — in a relocation market like Irving, sellers of homes that have sat a few weeks are often willing to fund the temporary version, and it drops your effective rate two points in year one. If you can bring 20% down, you also eliminate mortgage insurance entirely, which on a $355,000 loan is roughly $120–$180 a month off the payment. Finally, protest the DCAD appraisal each spring; Dallas County values have risen sharply, and a documented protest often lowers the assessment enough to matter. None of these change the tax rate, but together they can bring the total payment back in line with your budget.

A recent Irving example

Last year I helped a family relocating from California for a job in Las Colinas. They were used to a very different property-tax structure and initially focused only on the sticker price, not the annual carrying cost. On the $365,000 home they liked in Irving ISD, the Dallas County escrow added about $608/month to the payment — a line item they hadn't fully budgeted for. We ran the full PITI before they wrote the offer, they negotiated a seller-paid rate buydown to ease the first two years, and they filed the homestead exemption immediately after closing. My statewide property tax guide covers how Texas escrow accounts adjust annually, and my mortgage calculators let you compare price points side by side. For your real Irving number, visit my Irving loan page or call me.