Cost of Living in DeSoto TX vs. Dallas

By Steven J. Thomas | Refind Realty

Introduction

If you're weighing the decision between moving to DeSoto or staying in Dallas, you're not alone. A lot of folks I work with are trying to figure out where they can get more value for their money. I’m breaking down the real differences in cost of living, from housing and utilities to transportation and dining, so you can make the smartest move possible.

Housing Costs: More Home for Less in DeSoto

Housing is where DeSoto really stands out.

• DeSoto Median Home Price (2025): Around $310,000

• Dallas Median Home Price (2025): Roughly $415,000

That’s a $100,000+ difference, and in DeSoto you’re getting larger lots, newer construction, and quieter streets.

Monthly mortgage payments or rents are significantly lower in DeSoto, especially for buyers looking to build equity.

Helpful Resource: Dallas-Fort Worth New Construction Homes

Property Taxes: Close, but DeSoto Has the Edge

Property tax rates are comparable, but since homes in DeSoto cost less, your annual tax bill is usually lighter.

• Dallas County Average Tax Rate: 2.18%

• DeSoto Average Tax Rate: About the same, but on a lower home value

That can mean saving $1,500 to $2,000 per year depending on your home's assessed value.

Utilities: Slightly Lower in DeSoto

Utility costs are just a bit lower in DeSoto due to less strain on city infrastructure.

• Average electricity, water, and trash bills are 5% to 8% lower in DeSoto compared to Dallas

• Newer homes in DeSoto tend to be more energy-efficient, which adds to your monthly savings

Transportation: Trade Time for Savings

Here’s where tradeoffs come into play.

• DeSoto residents commute 25–35 minutes on average to downtown Dallas

• Dallas residents may have shorter commutes, but also face higher parking costs and toll fees

Gas prices are the same, but owning a car in DeSoto is less stressful and parking is free almost everywhere.

For those working remotely or commuting only part-time, DeSoto’s savings far outweigh the drive.

Groceries & Dining: Lower Everyday Costs in DeSoto

DeSoto's grocery prices are 3% to 6% lower. Local retailers and regional chains offer better bulk and budget-friendly options.

Dining is also easier on the wallet. While Dallas has more upscale and trendy restaurants, DeSoto offers solid local eats and casual chains without the downtown markup.

Lifestyle & Entertainment

DeSoto has plenty of parks, rec centers, and free community events.

• Dallas charges higher fees for entertainment, gyms, and nightlife

• DeSoto provides a quieter lifestyle with less day-to-day spending

For families and anyone trying to keep a budget, DeSoto wins on value without sacrificing quality of life.

Schools & Childcare

Both cities are served by different ISDs, but DeSoto ISD offers a range of magnet programs and smaller class sizes. Childcare costs also tend to be lower by about 10% on average in DeSoto.

Overall Comparison

Category DeSoto Dallas Housing Costs Lower Higher Property Taxes Slightly lower Higher Utilities Lower Moderate Transportation Longer commute More tolls & parking costs Groceries & Dining Cheaper More expensive Lifestyle Costs Lower Higher Schools & Childcare More affordable More options but higher cost

So, Which Is Right for You?

If you want more space, lower monthly costs, and a calmer pace of life, DeSoto is the clear winner. If proximity to nightlife and walkability are your top priorities, Dallas may still be your spot.

When I help clients move from Dallas to DeSoto, the most common reaction is: “We didn’t realize we could afford this much home.”

Looking to buy or sell in either area?
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FAQs

1. Is DeSoto more affordable than Dallas?
Yes. DeSoto offers lower housing, utility, and daily living costs than Dallas.

2. What’s the commute like from DeSoto to Dallas?
It averages 25–35 minutes depending on time of day and route. It’s a manageable drive with lower parking costs.

3. Are property taxes lower in DeSoto?
Rates are similar, but lower home prices in DeSoto mean smaller annual tax bills.

4. Is DeSoto good for families?
Yes. DeSoto has more affordable childcare, great local parks, and community-focused events.

5. What’s the difference in grocery and restaurant prices?
DeSoto tends to be 3% to 6% more affordable, especially at local markets and restaurants.

6. Can I get more house for my money in DeSoto?
Absolutely. You can often get a newer, larger home in DeSoto for $100K+ less than a similar one in Dallas.