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Cedar Hill TX couple comparing sold-home sheets to learn why their house has not sold

Why Hasn't My Cedar Hill House Sold? Asking vs. Sold

October 11, 2026

Last updated October 11, 2026

Why Hasn't My Cedar Hill House Sold? Asking Prices Sit $118,750 Above Sold Prices

By Steven J. Thomas, Broker, Refind Realty DFW

A common reason a Cedar Hill home sits is a list price set off active listings, not closed sales. In August 2026 the median Cedar Hill asking price was $460,000, and the median sold price was $341,250 (RPR, NTREIS data). Compare your price to what closed in the last 90 days, not to what is listed today.

Zillow will not tell you which side of that gap your house belongs on. A walk-through will. Here is how to read the numbers, based on current conditions.

How far apart are asking and sold prices in Cedar Hill?

Very far. Cedar Hill's median list price was $460,000 and its median sold price was $341,250 in August 2026, a $118,750 gap. That is the widest gap of the five southwest DFW towns Steven tracks. Homes that sold did so at 98.2% of list price.

Cedar Hill, August 2026Figure
Median list price (active)$460,000
Median sold price$341,250
Gap$118,750
Sold-to-list ratio98.2%
Median days on market (sold)32
Months of inventory3.70
Median list price vs. 12 months ago+17.95%
Median sold price vs. 12 months ago-4.94%

Source: RPR market report for Cedar Hill built on NTREIS data, as of August 31, 2026, pulled by Steven J. Thomas. List prices rose almost 18% in a year while sold prices fell almost 5%. Sellers and buyers are looking at two different markets.

Does the gap mean Cedar Hill sellers are overpriced?

Not by that much. Part of the gap is mix. Larger, newer, higher-priced homes sit longer, so the active list skews high, while smaller homes clear fast and pull the sold median down. The gap shows two sides of the market, not a pricing error of $118,750.

The mix explanation has a limit. A sold-to-list ratio of 98.2% and a 32-day median say homes priced against closed comps are selling. If your house has sat well past a month with showings and no offers, the likely cause is a list price set off active competition.

That is the reason Steven walks a house before he talks price. The Home Selling Score is a 30-minute in-person walk-through that ends in a readiness number. At 85 or above, the home is in strong shape for your target price. Below 85, you get a short list of what to fix before it costs you equity. Get your free Home Selling Score and see where your Cedar Hill house lands.

What does the gap cost a Cedar Hill buyer each month?

About $658 a month. A buyer who puts 20% down on the $118,750 difference finances $95,000. At 7.40%, the Freddie Mac average on October 8, 2026, that is $657.76 a month in principal and interest (7.59% APR). Buyers do this math, and it shapes which listings they open.

Rates matter here. Freddie Mac's 30-year average was 6.30% a year earlier (Freddie Mac PMMS, October 8, 2026). A buyer with a fixed monthly budget now qualifies for less house than last fall, so asking-price jumps get more resistance, not less. Read about what concessions cost a Cedar Hill seller if you are weighing a credit over a cut.

Illustrative example only, not a rate quote, lock, or offer of credit. Assumes a $95,000 conventional 30-year fixed loan, $1,495 in lender fees, 0 points, and 15 days of prepaid interest. Excludes taxes, insurance, and mortgage insurance. Rates shown are Freddie Mac weekly averages.

How much do sellers usually cut the price?

Statewide, the median price reduction was $12,000, or 3.3% of the initial list price, in June 2026, per the Texas Real Estate Research Center. On a $460,000 list price, 3.3% is $15,180. That is arithmetic on a statewide figure, not a Cedar Hill forecast, and it will not suit every house.

The same Texas A&M report shows the Texas home price index down 0.4% year over year (Texas Housing Insight, August 2026). Dallas County's July median sold price was $370,000, down 5% (NTREIS, July 2026). Steven's view: one early, data-backed adjustment beats three late ones. The rising inventory across the metro is covered in how DFW inventory affects Cedar Hill sellers.

What should you check this week if your Cedar Hill house has not sold?

Pull the closed sales from the last 90 days within a mile of your house, and set your price against those, not against the active list. Then check your showing count, your photos, and your days on market against the 32-day median. Four checks cover most cases.

  1. List the last 90 days of closed sales near you, matched on size, age, and condition.
  2. Count showings and feedback since you listed. No showings points to price or photos. Showings with no offers point to condition or price.
  3. Compare your price to the closed median, then to the nearest three active homes.
  4. Decide on a number now. Every extra month adds carrying costs, and equity matters if you bought recently, as in whether a 2022 Cedar Hill buyer can sell without writing a check.

FAQ: Cedar Hill house not selling

How long does it take to sell a house in Cedar Hill?

The median closed sale in August 2026 took 32 days (RPR, NTREIS data). Your timeline depends on price, condition, and the buyer's financing, and no one can promise a date.

Should I lower my Cedar Hill list price?

If your price is above recent closed comps and you have had few showings, a reduction is worth modeling. If showings are strong and offers are not, look at condition and terms first.

Is Cedar Hill a seller's market right now?

RPR labels it a seller's market, with 3.70 months of inventory. Priced-right homes still sell at about 98% of list. Homes priced off active listings sit.

Can a buyer rate buydown help me sell?

Sometimes. A seller-paid buydown can lower a buyer's payment more than an equal price cut. It costs you cash at closing, so run the net sheet first.

Why is my Zestimate different from what homes sold for?

An automated estimate cannot see your condition, updates, or lot. Closed sales and a walk-through give a tighter number.

Ready to see where your Cedar Hill home sits against closed sales? Book your free Home Selling Score. Data is based on current conditions and does not predict your sale price or timeline.


About the author. Steven J. Thomas, Broker, Refind Realty DFW · Loan Officer, Envision Home Lending LLC · NMLS #689220. Steven holds a Baylor University degree in financial planning and has more than 20 years in financial services and 14 years in real estate.

Steven J. Thomas · Broker, Refind Realty DFW · TREC Broker License #0657467 · Loan Officer, Envision Home Lending LLC · NMLS #689220 · Company NMLS #2619789 · 972-846-9170 · Equal Housing Opportunity. Read the TREC Information About Brokerage Services and Consumer Protection Notice.

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Steven J. Thomas

Steven J. Thomas is a dual-licensed real estate broker (#0657467) and loan officer (NMLS #689220) based in DeSoto, Texas, serving the Southwest Dallas–Fort Worth corridor — DeSoto, Cedar Hill, Duncanville, Lancaster, Red Oak, Waxahachie, Midlothian, and Mansfield. As a broker at Refind Realty DFW and a loan officer with Envision Home Lenders, he handles the sale and the financing of a move as one plan, not two separate transactions. A Baylor University financial planning graduate with 20+ years in financial services, Thomas focuses on the full picture — equity, timing, credit, and the next move — not just the house. He helps DFW Homeowners sell their current home and buy or build new construction in the DFW Area.

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Steven J Thomas

Steven J. Thomas

Steven J. Thomas has been in the financial services industry for the past 19 years and started my career as a Financial Planner for American Express Financial Advisors. I entered into banking with JP Morgan Chase as personal banker in 2003 and was promoted several times up to Small Business Specialist. I earned multiple Million Dollar Club awards and was ranked in the top 5 Small Business Specialist before I branched out in 2005 to start my own Financial Management Company. I ran a successful company before family circumstances lead me to Wachovia Bank in 2008 where I worked as a Senior Financial Specialist. As a Sr. Financial Specialist; I was responsible for the P & L and revenue growth of my banking center. The elimination of my role thru a bank merger lead me to BBVA Compass. I have held various leadership roles at BBVA Compass including Personal Relationship Manager, Branch Retail Executive, Workplace Solutions VP, and his current role as a Retail Manager. As the Regional Workplace Solutions VP, I was responsible for the strategic, tactical, and execution of Partnership Banking relationships, promotion and activity with corporate and non-profit companies in my footprint. I was responsible for the acquisition production for three districts, which includes 51 banking centers and over 300 employees. In May of 2014, I joined the team at Refind Realty and became one of the managing partners in mid-2015.

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Frequently Asked Questions

Why do you need a Realtor?

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.

Which loan should you choose?

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.

What is the difference between FHA, VA and USDA loans?

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.

What’s a conventional loan? Understanding what it means to be conforming and non-conforming

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.

What kind of rate should you choose?

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.

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Call :(972) 846-9170

Office 128 S. Cockrell Hill Rd, DeSoto TX 75115

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