What Your Home Equity Looks Like in DeSoto, TX in 2025

By Steven J. Thomas

Introduction

If you bought in DeSoto before the pandemic, you’re almost certainly sitting on a tidy pile of equity. The average local home value is $329,670, and many 2019 buyers have paid their loan balance down by another 8–10 %. Add modest 2024–25 appreciation, and the typical owner now controls about $135 K in tappable equity—money you can convert into remodel funds, debt pay-offs, or a down payment on your next place.

Neighborhood Snapshot: DeSoto vs. Nearby Cities

City Avg. Home Value 1-Year Change Est. Equity* Days on Market DeSoto $329,670 ▼ 3.5 % ≈ $135 K 23 Cedar Hill $315,236 ▼ 3.9 % ≈ $128 K 31 Duncanville $282,291 ▼ 3.4 % ≈ $115 K 19 Lancaster $278,233 ▼ 4.0 % ≈ $110 K 24

*Assumes 10 % down, 30-yr fixed @ 3.9 % in 2019.

Market Trends Driving 2025 Equity

• Median list price (June 2025): $360 K, up 2.9 % YoY

• Sale-to-list ratio: 97.8 %—buyers still negotiate, but sellers aren’t slashing prices

• 30-yr fixed rate: ~6.7 %—refi volume down, HELOC demand up

Expert view: “One in two DFW owners now has a loan-to-value under 50 %,” notes Selma Hepp, Chief Economist, CoreLogic.

Four Factors That Shape Your Equity

1. Price growth vs. principal pay-down – About 60 % of current equity is appreciation; 40 % is amortization.

2. Tax assessments – Dallas CAD now caps non-homestead increases at 20 %, easing future payment shock.

3. Texas 50(a)(6) cash-out limits – You can borrow up to 80 % LTV, but expect ~0.6 % higher lender fees.

4. HELOC vs. cash-out refi – HELOCs offer flexible draws; cash-outs lock a fixed rate but restart amortization.

Builder & Community Insights (Equity Starts Day One)

Community Builder(s) 2025 Base Incentives Kentsdale Farms Kindred mid-$400 Ks $15 K design credit + rate buydown Trees Farm Bloomfield low-$500 Ks Up to $25 K “Your Way” perks Stillwater Estates First Texas / DR Horton high-$400 Ks Closing-cost help + free upgrades

Buying new? Use our New Construction Homes Rebate Program and start with built-in equity.

More tools for new-build shoppers:

• Dallas-Fort Worth New Construction Homes

• New Construction Home Guide

• Attend the New Construction Webinar

Financing & Incentives: Tapping Your Equity Wisely

Product Max LTV Typical Rate (Jul 2025) Best Use Cash-Out Refi 80 % 6.9–7.2 % Lump sum ≥ $75 K HELOC 85 % Prime + 0.5 % Remodel, tuition, emergencies Home-Equity Loan 80 % 7.4–7.9 % Debt consolidation HELOAN w/ Builder Credit 80 % Builder-discounted Upgrades on a new build

Get numbers in minutes—start a no-impact application here ➜ Get Pre-Approved

Smart Moves for Sellers

• Gauge your readiness: run the quick Home Seller Score.

• Study the market: download free Home Seller Guides.

• Prep like a pro: follow the Home Seller Checklist.

• Compare every exit path: explore Home Selling Options.

• Learn from the experts: register for upcoming Home Seller Webinars.

Conclusion

Equity is leverage—use it to remodel, retire debt, or trade up. Download the Lone Star Living App now to run instant equity estimates, scout rebate-eligible new builds, and chat live with local pros.

You're Always Home With Refind Realty!

FAQs (2025)

1. How much equity does the average DeSoto homeowner have? About $135 K.

2. Can I borrow without refinancing my low-3 % first mortgage? Yes—consider a HELOC.

3. What’s special about a Texas 50(a)(6) loan? It caps cash-out refis at 80 % LTV and adds extra disclosures.

4. Will tapping equity raise my property taxes? No—taxes follow appraised value, not loan amount.

5. Can I use equity for a new-construction down payment? Absolutely; builder incentives can offset closing costs.