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Duncanville TX homeowners reviewing home prices on the front steps of a brick ranch

Duncanville Home Prices Fell 14.7%: What Sellers Do Now

October 16, 2026

Last updated October 16, 2026

Duncanville Home Prices Fell 14.7%: What Sellers Do Now

Are Duncanville home prices dropping? The median sold price fell 14.7% in a year, from $349,250 to $298,000 (NTREIS, September 2026). That figure comes from 32 sales and shifts with the mix of homes that closed. It does not tell you what your house is worth. A walk-through does.

Most agents will quote you the headline and stop. Here is what sits behind it, with sources, so you can decide whether to list now or plan around it. Zillow's online estimate can't tell you which side of that 14.7% your house falls on. Only a walk-through can.

Is the 14.7% drop real?

The drop is real on paper. Duncanville's median sold price was $298,000 in September 2026 against $349,250 in September 2025, according to the NTREIS Monthly MLS Summary Report prepared by the Texas Real Estate Research Center at Texas A&M for MetroTex, released October 7, 2026. Single-family homes only.

Source: NTREIS Monthly MLS Summary Report, September 2026. DFW as a whole was nearly flat: a $385,000 median, down 1%.

Why did the Duncanville median fall so far?

A median moves with the mix of homes that sold. Duncanville recorded 32 sales in September 2026 against 20 a year earlier, and more closings of lower-priced homes can pull the median down without any single house losing 14.7% of its value. Small samples swing. Use the direction, not the decimal.

Here is how Duncanville compares with its neighbors for the same month (NTREIS, September 2026, single-family):

MarketMedian soldChange vs Sep 2025Days on marketSold-to-list
Duncanville$298,000-14.7%4595.0%
Cedar Hill$317,500-9.3%7795.3%
DeSoto$360,0000%6893.8%
Dallas County$360,0000%5093.9%

Two towns fell and two held. Same corridor, same month. That spread is why one number for the whole town misses a specific street.

How long does a Duncanville home take to sell right now?

Duncanville homes sold in a median of 45 days in September 2026, down from 49 a year earlier (NTREIS). Supply is 3.1 months, which sits on the seller-leaning edge of balanced. But pending sales fell to 10 from 15 a year ago, so fewer buyers are signing.

Read that as two facts. Homes priced to the market still close at a quick pace. The buyer pool is thinner than a year ago. DFW pending sales fell 19% year over year (5,536 vs 6,861, NTREIS), the sharpest drop on the board.

For a seller, the practical math: a 95.0% sold-to-list ratio means a home listed at $300,000 has closed near $285,000, about $15,000 under list. That is arithmetic on the ratio, not a forecast. Based on current conditions, the gap between list and close is where the money is decided.

What does a rate of 7.40% do to my buyer pool?

The 30-year fixed averaged 7.40% on October 15, 2026, against 6.27% a year earlier (Freddie Mac Primary Mortgage Market Survey). On a $238,400 loan, the Duncanville median with 20% down, principal and interest rises from about $1,471 to $1,651 a month. That is $180 a month a buyer has to absorb.

Source: Freddie Mac PMMS. Principal and interest only, excluding taxes, insurance and HOA. Illustrative, not a rate quote. At a 7.40% rate, the APR on that loan is about 7.495% (assumptions: $1,495 in lender fees, no points, 15 days of prepaid interest, no mortgage insurance). Rates, APR and terms vary with credit, loan type and points, subject to qualification.

Buyers with $180 less room each month price in the difference. They ask for credits or walk past a list price that ignores it. Sellers who price from a 2024 comp compete against that.

What should a Duncanville seller do this month?

Price from the last 60 days of closed sales within a few blocks of your house, then test the number against active competition. Five steps:

  1. Pull closed sales from the last 60 days nearest your address, not the city median.
  2. Compare condition. D Magazine quoted Dallas agent Douglas Newby on September 21, 2026: homes not updated in 15 to 30 years are harder to sell.
  3. Count the active homes competing with you today, and note which have cut price.
  4. Decide on a concession budget before the first offer arrives.
  5. Get a walk-through price instead of an estimate. A Home Selling Score for your Duncanville address starts that process.

Related reading: how much equity is in your Duncanville home, why the Zestimate misses on Duncanville homes, and what to do if a Duncanville listing expired. For local help, see Duncanville sell-then-buy planning with Steven.

Frequently asked questions

Is Duncanville a buyer's or seller's market?

Duncanville has 3.1 months of supply, the seller-leaning edge of balanced (NTREIS, September 2026). Homes sold in a median of 45 days. Pending sales fell to 10 from 15, so buyers are fewer. Based on current conditions, price and condition decide who closes.

Should I wait until spring to list my Duncanville home?

Waiting adds months of carrying costs and brings no guaranteed price gain. Rates are 113 basis points above last year's level, and DFW pending sales are down 19%. A spring list date works only if your price matches the market then. Compare your costs of waiting against a firm price today.

Does the Zestimate show what my Duncanville home is worth?

No. An automated estimate uses broad data and cannot see your condition, updates or lot. In a month when the town median moved 14.7% on 32 sales, a block-level comparison matters more than any online number.

Do I need repairs before listing?

Condition drives price. D Magazine (September 21, 2026) quoted Dallas agent Douglas Newby saying homes not updated in 15 to 30 years are harder to sell. A walk-through shows which fixes pay back and which do not.

What will I net if I sell in Duncanville?

Your net depends on price, payoff, concessions and closing costs, so quote it per address. The Home Selling Score starts with the price. A net sheet follows the walk-through.

Get your free Home Selling Score: see where your Duncanville home sits against the 14.7% median drop.


About the author: Steven J. Thomas, Broker, Refind Realty DFW · Loan Officer, Envision Home Lending LLC, NMLS #689220. Steven holds a Baylor financial planning degree and has spent 20+ years in financial services and 14+ in real estate. Call/text 972-846-9170.

Steven J. Thomas · Broker, Refind Realty DFW · TREC Broker License #0657467 · Loan Officer, Envision Home Lending LLC · NMLS #689220 · Company NMLS #2619789. Equal Housing Opportunity. TREC Information About Brokerage Services and Consumer Protection Notice. Market data is based on current conditions and does not guarantee a price, timeline or outcome.

Duncanville home pricesDuncanville TXDuncanville median sold pricesell my house DuncanvilleDuncanville market update
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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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