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Rent vs. Own Calculator

Your True All-In Monthly Cost — No Surprises

North Dallas · Collin & Denton Counties

Live Market Data · FY 2025-26 Tax Rates · March 2026 Mortgage Rates
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Include 2% Rebate (Subject to Lender Approval)
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Tax rates include City + County + School District + Collin College. MUD/PID is additional. Rent estimates are for comparable single-family homes, not apartments.

Monthly Cost Analysis
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Renting

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Owning

$0

5-Year Total Cost Projection

Rent (cumulative)
Own (cumulative)
Equity Built

North Dallas City Tax & Rent Reference

City (ISD) Base Tax Rate Median Home Avg Rent (SFH) MUD/PID Risk

Understanding MUD & PID Taxes

MUD — Municipal Utility District

Created to fund water, sewer, drainage, and road infrastructure in new communities. Homeowners repay bonds through higher property taxes. MUD rates have no expiration and stay with the home.

Typical add-on: $0.19 – $1.00+ per $100 valuation

PID — Public Improvement District

Funds community amenities like parks, landscaping, grand entrances, and roads. Unlike MUDs, PID assessments are fixed once bonds are sold and have a set expiration date. Can sometimes be paid off upfront.

Typical add-on: $800 – $4,000+ per year
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2% of the Sales Price — Back to You at Closing

When you buy with Neda Dameshghi at HousesByNeda, you can receive up to 2% of the sales price back at closing — applied toward closing costs, rate buydowns, or other approved uses. Subject to lender approval. That's money Zillow won't tell you about.

Neda Dameshghi at HousesByNeda

Real Broker LLC · TX License #794201
housesbyneda.com

Data sources: Collin County Tax Assessor FY 2025-26, Freddie Mac PMMS (Mar 2026), Redfin, RentCafe, Community Impact.
This calculator provides estimates only. Actual costs depend on specific address, assessed value, exemptions, and lender terms.

MUD/PID rates vary by neighborhood — always verify for the specific property address.
*2% rebate is subject to lender approval and may be applied toward closing costs, rate buydowns, or other lender-approved uses. Not guaranteed as cash back.