The story of this market
The typical home in ZIP 75021 sells for about $265,000, or $168 per square foot.
Prices are down 3.6% from a year ago, which gives buyers more room to negotiate. Homes take about 62 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,350 a month.
ZIP 75021 — Denison
The housing market in 75021 is currently experiencing a period of stabilization as inventory levels rise and price growth moderates. While demand remains present, buyers are increasingly cautious, leading to longer days on market and a higher frequency of price adjustments. The market is currently balanced, reflecting broader regional trends in North Texas.
This ZIP is well-suited for families and retirees seeking a lower cost of living compared to the DFW metroplex, as well as outdoor enthusiasts attracted to the proximity of Lake Texoma.
Median prices moved down 3.6% year over year.
Homes spend a median of 62 days on market with 4.2 months of supply — a balanced-paced market.
18% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.8% · poverty 14.2% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 75021, Grayson County TX
Crime rates in Denison are generally higher than the national average, with property crime being the most frequently reported incident type in the area.
Schools in the Denison Independent School District generally receive average ratings, with ongoing efforts to improve student performance and facility infrastructure.
The area faces moderate risks from severe thunderstorms and occasional high winds, with specific flood-prone zones identified near local creek beds and Lake Texoma.
Economic momentum is driven by the expansion of local manufacturing and healthcare sectors, alongside infrastructure improvements aimed at supporting regional growth near the Oklahoma border.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the… State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00).
Commuting primarily involves driving via US-75, which serves as the main artery connecting Denison to the broader Dallas-Fort Worth metroplex to the south.
Residents have access to significant outdoor amenities including Lake Texoma for boating and fishing, Eisenhower State Park, and various local parks and historic downtown shopping districts.
The rental market is characterized by a mix of single-family homes and older apartment complexes, with moderate vacancy pressure and stable rent growth.
The economy is anchored by healthcare, manufacturing, and retail, with major employers including Texoma Medical Center and various industrial manufacturers.
Transportation is heavily reliant on private vehicles, with US-75 providing the primary north-south corridor for regional access.
Development is focused on expanding residential capacity in the southern portions of the city and revitalizing the historic downtown core.
The Grayson Central Appraisal District manages property assessments, utilizing mass appraisal techniques to determine market values for tax purposes.
Parcels are subject to Denison ISD taxes, and some areas may fall within specific utility or municipal management districts.
Property insurance premiums are influenced by regional weather patterns, including hail and wind risks common to North Texas.
The state continues to see strong net domestic migration, driven by job growth and a relatively affordable cost of living.
Texas is a non-judicial foreclosure state, allowing for expedited processes under the deed of trust.
Sellers are required to provide a standard Seller's Disclosure Notice detailing the condition of the property.
Data retrieved from data.census.gov ZCTA 75021 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Schulman’s Movie Bowl Grille4.512.5 mi
- Fairview Park4.710.6 mi
- HeyDay Entertainment Denison4.57.1 mi
- Urban Air Trampoline and Adventure Park4.27.2 mi
- Skatelands of America4.54.9 mi
- The Grand Theater - Choctaw Casino & Resort4.715.2 mi
- Golden Corral Buffet & Grill4.39.1 mi
- The Post Restaurant4.210.6 mi
- Munson Stadium4.54 mi
- Choctaw Event Center4.515.4 mi
- Eisenhower State Park4.68.8 mi
- Schulman’s Movie Bowl Grille4.512.5 mi
- Waterloo Park4.75.4 mi
- Cinemark Sherman4.59.2 mi
- Fairview Park4.710.6 mi
- Choctaw Cultural Center4.915.9 mi
- Eisenhower Birthplace State Historic Site4.63.7 mi
- Historic Carpenters Bluff Bridge4.73.7 mi
- Perrin AFB Historical Museum4.911.1 mi
- Frontier Village & Museum4.86.6 mi
- Eisenhower State Park4.68.8 mi
- Texoma Health Foundation Park at Gateway Village4.77 mi
- Waterloo Park4.75.4 mi
- Fairview Park4.710.6 mi
- Pecan Grove Park - West4.711.4 mi
- Highport Marina4.614.8 mi
- Grandpappy Point Resort and Marina4.512.4 mi
- Willow Springs Marina & Resort4.617.6 mi
- Lighthouse Resort & Marina4.413.8 mi
- Alberta Creek Resort & Marina4.416.9 mi
- Stone Creek Golf Club3.612.2 mi
- La Michoacana Meat Market3.910.4 mi
- Albertsons4.310.1 mi
- Ross Dress for Less4.39.1 mi
- Albertsons4.23.9 mi
- T.J. Maxx4.38.8 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Major regional reservoir offering boating, fishing, and recreation.
Large state park on the shores of Lake Texoma with hiking and camping.
Historic district featuring local boutiques, restaurants, and cultural events.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.