Carrollton, TX
Carrollton, TX landlord and rental property insurance
Local rental data and insurance guidance for Carrollton property owners. A quote is not a binder.
Owners who rent out property in Carrollton, Denton County, are working in a market where 41% of occupied homes are rentals. The city counts about 135,456 residents; Texas as a whole has a renter share of 37%.
Carrollton at a glance for landlords
| Measure | Carrollton | Texas |
|---|---|---|
| Renter-occupied homes | 41% (21,553) | 37% |
| Median owner-occupied home value | $381,000 | $283,800 |
| Median gross rent | $1,735/mo | $1,403/mo |
| Median year structure built | 1988 | 1992 |
| Homes in 2–4 unit buildings | 7% | 5% |
| Single-family homes (detached or attached) | 64% | 67% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Setting coverage on a Carrollton rental
The median owner-occupied home in Carrollton is valued at about $381,000, higher than the Texas median of $283,800. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.
If your rental is insured somewhere around Carrollton's median, the closest NAIC benchmark is the $350,000–$399,999 band, where the 2023 Texas dwelling-fire average was $2,083. The all-amounts state figure was $1,226.
Protecting rental income in Carrollton
Rents in Carrollton center on about $1,735 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $20,820 per unit at the median.
How old Carrollton's housing is, and why it matters
Carrollton's median home dates to about 1988. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
What Carrollton landlords typically own
Carrollton's housing is mixed: about 64% single-family, 7% in 2–4 unit buildings, and 29% in buildings of five or more units. Dwelling forms fit up to four units; larger buildings need commercial apartment coverage.
Carrollton next to other Texas rental cities
Denton has a renter share of 50% with homes valued around $348,200 at the median. Nearby Lewisville reports 54% renter households and a $378,500 median home value, so proportionally more renters than Carrollton. In Houston, 58% of occupied homes are rented and the median value is $277,800. Carrollton places 19 of 30 profiled Texas cities by share of rented homes. Buildings with five or more units hold about 29% of Carrollton's homes; those generally need commercial apartment coverage rather than dwelling forms.
Weather and property risks for Carrollton rentals
In Carrollton, think about flash and coastal flooding, which needs separate flood coverage first, then hail, especially across North and Central Texas. Both appear frequently in Texas property claims and can change which policy form and deductible make sense.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
What to have ready for a Carrollton quote
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- Property location in Carrollton and unit count
- Year built and roof age
- Lease type and whether the unit is ever empty
- Electrical, plumbing, and heating update years
- Prior carrier, expiration date, and five-year loss history
Request a Carrollton landlord quote
Carrollton landlord insurance questions
What share of Carrollton homes are rentals?
About 41% of occupied homes in Carrollton, roughly 21,553 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Carrollton landlords have to carry insurance?
Not by statute. In practice, a Carrollton rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
What is a typical landlord premium in Carrollton?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Texas dwelling-fire average of $1,226; see our Texas page for the full table.
More landlord pages near Carrollton
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.