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Last updated November 7, 2026
Usually not. Duncanville homes closed at 95.0% of list in September 2026, about $15,700 under ask on the median sale (NTREIS). The median home sold in 45 days. A house priced to the last closed sales gets close to asking. A house priced to hope waits, then gets cut.
The rest of this post shows where each number comes from and what it means for your price.
Most do not sell for full asking. Duncanville's sold-to-list ratio was 95.0% in September 2026 (NTREIS). On the $298,000 median sale, that is about $15,700 below the list price. Homes priced close to recent sales get closer to full ask, and homes priced above them take the discount.
| If you list at | A 95.0% close is | Gap to ask |
|---|---|---|
| $280,000 | $266,000 | $14,000 |
| $313,700 | $298,000 | $15,700 |
| $350,000 | $332,500 | $17,500 |
The middle row is the September median. The other rows are arithmetic at the same 95.0% ratio, not predictions for your house. Your ratio depends on your price, your condition, and your street. Source: NTREIS Monthly MLS Summary Report, September 2026, single-family homes, MLS sales only (Texas A&M Real Estate Research Center report for MetroTex).
Duncanville sits close to its neighbors on this number. Cedar Hill homes closed at 95.3% of list and Red Oak homes closed at 95.8% in the same report.
The median Duncanville home sold in 45 days in September 2026 (NTREIS). That is faster than Cedar Hill at 77 days and Waxahachie at 64 days in the same report. Supply was 3.1 months, with 64 active listings and 32 closed sales for the month.
One number deserves a second look. Only 10 sales were pending at the end of September (NTREIS), against 32 that closed. September's closings came from contracts signed in July and August. The pending count shows how many contracts are being signed now, and it is thin. Based on current conditions, a Duncanville seller competes for fewer buyers than the closed-sales count suggests.
For the full timeline, read how long it takes to sell a house in Duncanville.
The median sold price fell 14.7%, from $349,250 in September 2025 to $298,000 in September 2026 (NTREIS). Only 32 homes closed, so a few sales at the high end or low end move the median a lot. Read the direction, not the decimal. The direction says buyers are paying less than a year ago for the typical Duncanville sale.
On 20% down, a buyer at 7.18% pays about $1,615 a month in principal and interest, with a 7.27% APR. A rate half a point lower would cut that payment by about $80. Your buyer is doing this math, and the payment sets the offer they can make.
The 30-year fixed average was 7.18% on November 5, 2026 (Freddie Mac PMMS). The payment covers principal and interest on a $238,400 loan, with no taxes or insurance. The APR assumes $1,495 in lender fees, no points, 15 days of prepaid interest, and no mortgage insurance. It is an example based on current conditions, not a rate quote.
Price it to the last closed sales on your street, not to what neighbors are asking. Closed sales show what buyers paid. Asking prices show what sellers hoped for. Walk the house with a local agent who has seen the inside of those comparable homes.
An online estimate cannot do steps two and three. It sees an address and a square footage. It does not see your kitchen, your roof, or your street. Pricing takes a walk-through.
Your ratio depends on your house. The Home Selling Score takes your address and your goals and shows where your house sits against recent Duncanville sales. It takes a few minutes.
Next step: Get your free Home Selling Score.
How long does it take to sell a house in Duncanville? The median Duncanville home sold in 45 days in September 2026 (NTREIS). Your timeline depends on price and condition, and a house priced above recent sales sits longer.
Is Duncanville a buyer's market or a seller's market? Supply was 3.1 months in September (NTREIS). That is the seller-leaning edge of balanced. Based on current conditions, buyers still negotiate, as the 95.0% ratio shows.
Should I cut my price before I list? List at the number the closed sales support. Starting high and cutting later costs you days on market, and buyers see the price history.
Does NTREIS count builder homes? No. The report covers MLS sales only, so builder direct sales are not in the $298,000 median.
Do the buyer payments include taxes and insurance? No. They show principal and interest only. Property tax and insurance add to the full monthly payment.
Steven J. Thomas, Broker, Refind Realty DFW · Loan Officer, Envision Home Lenders, NMLS #689220. Steven holds a Baylor degree in financial planning and has more than 20 years in financial services, so he runs the pricing and the payment math on your house together.
Market figures: NTREIS Monthly MLS Summary Report, September 2026 (single-family homes, MLS sales only, builder direct sales not included). Rates: Freddie Mac PMMS. Examples are estimates based on current conditions, not offers or guarantees. Refind Realty DFW is a licensed Texas real estate broker. Read the TREC Information About Brokerage Services and Consumer Protection Notice before you sign anything. Equal Housing Opportunity. Envision Home Lenders, NMLS #689220.

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I used this realtor and it was a great experience. He was patient and very helpful with our journey. He also helped us find a great lender with little hassle on the process, also got us approved for well above the market of our original home so we were able to get more house with a lower mortgage rate. So to anyone who is interested in buying a home take my advice give Steven a call. It’s worth it 😁


Steve was absolutely amazing! Everything was easy! Very professional in all aspects. Punctual, responsive, and diligent. He goes above and beyond to ensure you get to see as many homes as you’d like no matter the location. Not only was he knowledgeable about home buying, he also has a resourceful network for new home owner needs. I recommend Refind Realty to everyone!


I definitely recommend Steven to assist with your home buying needs. As a first time home buyer the process can be overwhelming, but as my realtor he was knowledgeable & patient while addressing my concerns and assisting me with my new home purchase. Thanks again Steven!! :-)

When buying or selling a home, there are so many options…which can also present a lot of obstacles. Laws change, forms change, and practices change all the time in the real estate industry. Because it’s our job to stay on top of those things, hiring a realtor reduces risk, and can also save you a lot of money in the long run.
When you work with me as your Realtor, you’re getting an expert who knows the area; knows how to skillfully guide your experience as a seller or buyer; can easily spot the difference between a good deal and a great deal. My job is to translate your dream into a real estate reality, and I work hard to earn and keep my business. This also means earning your trust: When you work with me, you’ll be working with a realtor who looks out for your best interests and is invested in your goals.
There are two different types of loans conventional loans and government-backed loans. The main difference is who insures these loans:
1 - Government-backed loans (FHA, VA and USDA):
(a) - Are, unsurprisingly, backed by the government.
(b) - Include FHA loans, VA loans, and USDA loans.
(c) - Make up less than 40 percent of the home loans generated in the U.S. each year.
2 - Conventional loans
(a) - Are not backed by the government.
(b) - Include conforming and non-conforming loans (such as jumbo loans).
(c) - Make up more than 60 percent of the loans generated in the U.S. each year.
1 - FHA LOANS:
FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment of as little as 3.5 percent and a credit score as low as 580.
FHA loans are often called “helper loans,” because they give a leg up to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits, which are determined based on housing values for the county where the for-sale home is located.
Because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.
2 - VA LOANS:
VA loans are backed by the Department of Veterans Affairs and they are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.
Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.
3 - USDA LOANS:
You may also hear about USDA loans, which are backed by the United States Department of Agriculture mortgage program. USDA loans are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.
Buyers who have a more established credit history and a larger down payment may prefer to apply for a conventional loan. These loans may offer a lower interest rate and only require the home buyer to purchase monthly mortgage insurance while the loan-to-value ratio is above a certain percentage, so a conventional loan borrower can typically save money in the long run.
Conventional loans are divided into two types: Conforming loans and non-conforming loans.
1 - CONFORMING LOANS:
Conforming loans are those that meet (or conform to) predetermined standards set by Fannie Mae and Freddie Mac — two government-sponsored institutions that buy and sell mortgages on the secondary market. By selling the loans to "Fannie and Freddie," lenders can free up their capital and return to issue more mortgages than if they had to personally back every loan that they approve.
The main standard for conforming loans is that the amount borrowed must be under a certain amount; in Alaska, a single-family home loan must be under $647,200 in order to be considered conforming.
Properties with more than one unit have higher limits.
2 - NON-CONFORMING (JUMBO) LOANS:
But what happens if a borrower wants to borrow more than the Freddie- and Fannie-approved loan amount? In this case, they would have to apply for a “jumbo loan,” which is the most common type of non-conforming loan.
Because the lender cannot resell the jumbo loan (or any non-conforming loan) to Freddie Mac or Fannie Mae, jumbo loans are considered to be riskier than a conforming loan. To protect against this risk, the bank will typically require a higher down payment; the interest rate on a jumbo loan may also be higher than if the same borrower applied for a conforming loan.
Rate types: Fixed-rate vs. adjustable-rate mortgages.
In addition to the loan type you choose, you’ll also have to determine if you want a fixed-rate mortgage or an adjustable-rate mortgage (ARM). A fixed-rate mortgage has an interest rate that does not change for the life of the loan, so it provides predictable monthly payments of principal and interest.
An adjustable-rate mortgage typically offers an initial introductory period with a low-interest rate. Once this period is over, the interest rate adjusts periodically, based on the market index. The initial interest rate on an ARM can sometimes be locked in for different periods, such as one, three, five, seven, or 10 years. Once the introductory period is over, the interest rate typically readjusts annually.
Site: stevenjthomas.com
Call :(972) 846-9170
Email: [email protected]
Office 128 S Cockrell Hill Rd, DeSoto, TX 75115
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Refind Realty Inc · 128 S Cockrell Hill Rd, DeSoto, TX 75115 · (972) 846-9170
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