Town in Denton County, part of the Dallas-Fort Worth metro

Living in Paloma Creek, TX

C+

376th of 745Texas towns of 1,000 to 10,000 people
Overall score 49 of 100
105th of 181 in the Dallas-Fort Worth area

Paloma Creek earns a grade of C+ on our index, 376th of 745 Texas towns of 1,000 to 10,000 people. It does best on internet access and education levels, and trails on getting around and schools. It is a strong pick for remote workers.

  • Good for remote workers
  • Pricey
  • Well connected
  • Cost of living scores low (14 of 100)
  • Schools scores low (8 of 100)
Map of Texas showing where Paloma Creek isHoustonSan AntonioAustinPaloma Creek
Where Paloma Creek is in Texas.
Population
3,016
Median rent
$2,57684% higher than Texas
Median home value
$346,80022% higher than Texas
Household income
$91,534Median
Average commute
32 minOne way
Violent crime
No dataNo full-year report

What it's like to live in Paloma Creek

Paloma Creek sits about 31 miles from downtown Dallas, in the Dallas-Fort Worth-Arlington metro. About 3,016 people live here. It is densely built, with mostly newer homes (the median home was built in 2006).

The median age is 29.6, 38% of households have children, 70% of homes are owned by the people living in them and the typical household earns $91,534 a year (17% higher than the Texas median).

Pros of living in Paloma Creek

No clear standouts in our data.

Cons of living in Paloma Creek

  • Higher rent. Median rent is $2,576, 84% higher than the Texas median.
  • Long commutes. The average trip to work takes 32 minutes, against 27 across Texas.
  • Natural hazard risk. FEMA rates the risk of tornadoes, hail and wildfires as very high here.

Who Paloma Creek suits

  • FamiliesNot the best fit. Compared with similar Texas places, it beats 36% for families.
  • Young professionalsA reasonable fit: household income is 17% higher than the Texas median, with 14 restaurants and 0 cafes in town. Compared with similar Texas places, it beats 69% for young professionals.
  • RetireesA reasonable fit: 11% of working-age adults are uninsured. Compared with similar Texas places, it beats 67% for retirees.
  • Remote workersA reasonable fit: 99% of homes have broadband and the median rent of $2,576 is 84% higher than the Texas median. Compared with similar Texas places, it beats 87% for remote workers.
  • People on a budgetNot the best fit: the median rent of $2,576 is 84% higher than the Texas median. Compared with similar Texas places, it beats 10% for people on a budget.

Paloma Creek report card

Ten grades, one for each part of daily life we measure. Most compare Paloma Creek with other US towns of 1,000 to 10,000 people. Schools, safety and errands compare it with other Texas towns of 1,000 to 10,000 people.

  • Cost of living: grade D-

    Median rent $2,576, homes cost 3.8x income.

    15 of 100 vs US towns

  • Jobs and income: grade B

    Median household income $91,534, 3.3% unemployed.

    64 of 100 vs US towns

  • Schools: grade F

    1 rated campuses, 0% rated A or B.

    8 of 100 vs TX towns

  • Safety: no grade

    No full year of crime data from local police.

    No score vs TX towns

  • Errands and things to do: grade B+

    0 grocery stores, 14 restaurants, 1 park mapped in town.

    76 of 100 vs TX towns

  • Getting around: grade F

    Average commute 32 min, 15% work from home.

    4 of 100 vs US towns

  • Education levels: grade A-

    35% have a bachelor’s degree.

    85 of 100 vs US towns

  • Health: grade B-

    11% of adults uninsured.

    60 of 100 vs US towns

  • Home ownership: grade B+

    70% of homes owner-occupied.

    79 of 100 vs US towns

  • Internet access: grade A

    99% of homes have broadband.

    95 of 100 vs US towns

Where Paloma Creek stands out compared with Texas

Better than Texas

  • Vacant homes: 0%9 points lower than Texas (9.4%)
  • Adults 18 to 64 without health insurance: 11%9 points lower than Texas (20%)
  • Homes owned by the people living in them: 70%7 points higher than Texas (63%)

Worse than Texas

  • Median rent: $2,57684% higher than Texas ($1,403)
  • Average commute: 32 min21% higher than Texas (27 min)
  • Workers who walk, bike or take transit: 0%3 points lower than Texas (2.6%)

Cost of living in Paloma Creek

Paloma Creek renters pay a median of $2,576 a month, 84% higher than the statewide median. The usual rule is to spend no more than 30% of income on rent, which means earning around $103,000 a year for a median unit. Right now 52% of renters here pay more than 30% of their income on rent.

HUD sets fair market rents for this area at $1,536 for a one-bedroom, $1,807 for a two-bedroom and $2,275 for a three-bedroom (fiscal year 2027). These figures include utilities and describe a modest unit, so newer apartments often ask for more.

The median home is worth $346,800, 22% higher than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $1,898 before tax, or $2,389 with property tax. That is close to the median rent, so buying can make sense if you plan to stay.

Texas has no state income tax, but property taxes are among the highest in the country. The median homeowner in Paloma Creek pays $5,892 a year, 39% higher than the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.

Typical rent by apartment size

Fair market rent by bedroom count in Paloma CreekStudio$1,4911 bedroom$1,5362 bedrooms$1,8073 bedrooms$2,2754 bedrooms$2,892
HUD fair market rent for FY2027, Dallas, TX HUD Metro FMR Area. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median rent84% higher than Texas$2,576$1,403$1,413
Median home value22% higher than Texas$346,800$283,800$332,700
Home value to income5% higher than Texas3.8x3.6x4.1x
Renters paying 30%+ of income on rentAbout the same as Texas52%52%51%
Median property tax per year39% higher than Texas$5,892$4,232$3,119
Homes owned by the people living in them7 points higher than Texas70%63%65%
Median year homes were builtAbout the same as Texas200619921980

Monthly cost to buy a median home

$2,389
Mortgage payment
$1,898
Property tax
$491
Median rent, for comparison
$2,576

Based on a $346,800 home in Paloma Creek, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median paid locally, or the county median where the local figure is not published. Insurance and fees are not included.

Schools in Paloma Creek

Paloma Creek has 1 public school campuses with a 2025 state rating inside the city, and 0% of them earn an A or B. Most students here are served by Denton ISD.

Texas districts usually assign students by attendance zone rather than the closest campus, so check the zone for a specific address with the district before you sign a lease or buy.

Schools grade
8
of 100 vs Texas towns
Average rating
69
Texas median 81

Ratings are the 2025 Texas Education Agency A to F accountability ratings. Always check which school serves a specific address with the district.

Top-rated schools

  • DPaloma Creek ElementaryElementary, Denton ISD69 of 100

Daily life in Paloma Creek

Everyday places mapped inside Paloma Creek, from Overture Maps. Well-known spots include Paloma Creek North.

The average one-way commute is 32 minutes, 21% longer than the Texas average. 15% of workers work from home. Fewer than 3% walk, bike or take transit to work, so plan on driving for almost everything.

Downtown Dallas is about 31 miles away in a straight line. Many people who live in Paloma Creek work elsewhere in the metro, so test the drive at rush hour before you commit.

The median household income is $91,534, income per person is $37,693, unemployment is 3.3% and 35% of adults hold a bachelor's degree.

Grocery stores
0
Pharmacies
1
Restaurants
14
Cafes
0
Bars
0
Parks
1
Gyms
2
Hospitals and urgent care
0
Childcare
0
Libraries
0

Jobs, income and education

MeasureHereTexasUS
Median household income17% higher than Texas$91,534$78,476$80,734
Income per person8% lower than Texas$37,693$40,752$44,673
Unemployment rate2 points lower than Texas3.3%5.3%5.2%
People below the poverty line2 points lower than Texas11%14%12%
Adults with a bachelor's degree or higher2 points higher than Texas35%34%36%
Adults with a high school diploma or higher12 points higher than Texas98%86%90%
Adults 18 to 64 without health insurance9 points lower than Texas11%20%11%
Homes with broadband internet7 points higher than Texas99%91%91%

Getting to work

MeasureHereTexasUS
Average commute21% higher than Texas32 min27 min26 min
Workers who work from homeAbout the same as Texas15%14%15%
Workers who work from home15%
Workers who take transit0%
Workers who walk0%
Workers who bike0%

Who lives in Paloma Creek

Under 1831%
18 to 3434%
35 to 6432%
65 and over2.9%

Median age 29.6 years. 38% of households have children.

Race and ethnicity
White46%
Hispanic or Latino30%
Black15%
Asian3.9%
Other or more than one race4.7%

Shown for information only. It is never part of any grade.

Weather in Paloma Creek

Paloma Creek has a hot Texas climate. July highs average 96°F and January lows about 34°F. There are about 95 days a year at 90°F or above, and about 38 inches of rain a year.

Average monthly high and low temperatures in Paloma Creek30°50°70°90°56J60F68M76A83M91J96J96A88S78O66N57DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Denton 2 Se, 10 mi away. Orange months average 90°F or more.

Natural hazard risk

FEMA's National Risk Index says river flooding risk is moderate, hurricane risk is low, tornado risk is very high and hail risk is very high. Even in lower-risk areas, check the FEMA flood map for the exact address before you buy.

  • River floodingModerate
  • HurricanesLow
  • TornadoesVery high
  • HailVery high
  • Heat wavesHigh
  • WildfiresVery high
  • Winter stormsLow
  • Strong windModerate

Source: FEMA National Risk Index, December 2025, Census tract level averaged for the city. Check the FEMA flood map for any address before you buy.

Places near Paloma Creek

Nearby, Paloma Creek South gets a B, Providence Village gets a C and Savannah gets a B+. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.

  1. BPaloma Creek SouthTown, 8,860 people1 mi
  2. CProvidence VillageTown, 8,721 people1 mi
  3. B+SavannahTown, 6,469 people2 mi
  4. B-AubreyTown, 7,396 people2 mi
  5. BLittle ElmCity, 54,820 people3 mi
  6. C-Cross RoadsTown, 2,035 people4 mi

Paloma Creek in the Dallas-Fort Worth area

How it ranks among 181 places in the metro.

  1. 1A+Flower Mound78,389 people26 mito downtown
  2. 2A+Trophy Club13,733 people29 mito downtown
  3. 3A+University Park25,155 people4 mito downtown
  4. 102C+Royse City20,037 people29 mito downtown
  5. 103C+Oak Ridge1,192 people31 mito downtown
  6. 104C+Hackberry2,979 people26 mito downtown
  7. 105C+Paloma Creek3,016 people31 mito downtown
  8. 106CProvidence Village8,721 people33 mito downtown
  9. 107CJoshua8,550 people43 mito downtown
  10. 108CRendon14,632 people31 mito downtown

See all of the best suburbs of dallas-fort worth

Living in Paloma Creek: common questions

Is Paloma Creek, TX a good place to live?

Paloma Creek earns a grade of C+ on our index, 376th of 745 Texas towns of 1,000 to 10,000 people. It does best on internet access and education levels, and trails on getting around and schools. It is a strong pick for remote workers.

How much does it cost to live in Paloma Creek?

Renters in Paloma Creek pay a median of $2,576 a month, 84% higher than the Texas median. The median home is worth $346,800, 22% higher than the Texas median. A median home costs 3.8x the median household income, compared with 3.6x across Texas. With 20% down at a 7.28% rate, the monthly payment on a median home is about $2,389, including property tax.

Are the schools good in Paloma Creek?

We found 1 rated public school campuses inside Paloma Creek. 0% are rated A or B by the Texas Education Agency. Its schools score is 8 of 100 compared with other Texas towns of 1,000 to 10,000 people.

Does Paloma Creek flood?

FEMA rates river flooding risk in Paloma Creek as moderate, and coastal flooding as not rated. Hazards rated high or very high here: tornadoes, heat waves, hail and wildfires. Always check the flood map for a specific address before you buy.

What is the weather like in Paloma Creek?

Summers in Paloma Creek peak at about 96°F in July, and January nights fall to about 34°F. Expect around 95 days a year at 90°F or hotter, and 38 inches of rain.

How long is the commute in Paloma Creek?

The average one-way commute is 32 min, 21% higher than the Texas average. About 15% of workers work from home. It is about 31 miles from downtown Dallas.

Sources: US Census Bureau 2020-2024 ACS 5-year and 2025 population estimates, CDC PLACES 2025, Texas Education Agency 2025 ratings, FBI Crime Data Explorer, FEMA National Risk Index, NOAA climate normals, HUD fair market rents, Overture Maps. Updated 2026-10-04. How we grade.