Small city in Collin County, part of the Dallas-Fort Worth metro

Living in Prosper, TX

A

13th of 192Texas cities of 10,000 to 50,000 people
Overall score 94 of 100
19th of 181 in the Dallas-Fort Worth area

We give Prosper an A. It ranks 13th of 192 Texas cities of 10,000 to 50,000 people. It does best on internet access and education levels, and trails on getting around. It is a strong pick for families, retirees and remote workers.

  • Good for families
  • Good for retirees
  • Good for remote workers
  • Top-rated schools
  • Low crime
  • Pricey
  • Fast-growing
  • Well connected
  • Getting around scores low (5 of 100)
  • Tornado risk is very high
Viewing the Main Street downtown Prosper
Photo: Ranch9613, CC0, via Wikimedia Commons
Population
45,605+51.2% since 2020
Median rent
$2,17655% higher than Texas
Median home value
$823,700190% higher than Texas
Household income
$195,281Median
Average commute
29 minOne way
Violent crime
43Per 100k, 2025

What it's like to live in Prosper

Prosper sits about 31 miles from downtown Dallas, in the Dallas-Fort Worth-Arlington metro. 45,605 people lived here in 2025, up 51.2% from 2020, so it is one of the faster-growing places in Texas. It is spread out, with mostly newer homes (the median home was built in 2014).

Local spots people know include Frontier Park, Town Lake Park - Whispering Farms and Willow Ridge Park.

The median age is 37.6, 60% of households have children, 88% of homes are owned by the people living in them and the typical household earns $195,281 a year (149% higher than the Texas median).

Pros of living in Prosper

  • Strong public schools. 100% of the 14 rated campuses here earn an A or B from the Texas Education Agency.
  • Low violent crime. 43 violent crimes per 100,000 people in 2025, 89% lower than the Texas rate.
  • High incomes. The median household earns $195,281, 149% higher than the Texas median.
  • Growing fast. The population grew 51% from 2020 to 2025, which usually means new homes, shops and jobs.
  • Healthier population. Only 7.5% of working-age adults lack health insurance.

Cons of living in Prosper

  • Higher rent. Median rent is $2,176, 55% higher than the Texas median.
  • Natural hazard risk. FEMA rates the risk of tornadoes, heat waves and hail as very high here.

Who Prosper suits

  • FamiliesA strong fit: 100% of rated schools earn an A or B and violent crime is 89% lower than the Texas rate. Compared with similar Texas places, it beats 94% for families.
  • Young professionalsA reasonable fit: household income is 149% higher than the Texas median, with 136 restaurants and 14 cafes in town. Compared with similar Texas places, it beats 74% for young professionals.
  • RetireesA strong fit: 7.5% of working-age adults are uninsured and violent crime is 89% lower than the Texas rate. Compared with similar Texas places, it beats 96% for retirees.
  • Remote workersA strong fit: 98% of homes have broadband and the median rent of $2,176 is 55% higher than the Texas median. Compared with similar Texas places, it beats 92% for remote workers.
  • People on a budgetNot the best fit: the median rent of $2,176 is 55% higher than the Texas median. Compared with similar Texas places, it beats 36% for people on a budget.

Prosper report card

Ten grades, one for each part of daily life we measure. Most compare Prosper with other US cities of 10,000 to 50,000 people. Schools, safety and errands compare it with other Texas cities of 10,000 to 50,000 people.

  • Cost of living: grade C

    Median rent $2,176, homes cost 4.2x income.

    41 of 100 vs US cities

  • Jobs and income: grade B+

    Median household income $195,281, 5.6% unemployed.

    76 of 100 vs US cities

  • Schools: grade A-

    14 rated campuses, 100% rated A or B.

    86 of 100 vs TX cities

  • Safety: grade A

    43 violent crimes per 100k, 670 property crimes per 100k.

    93 of 100 vs TX cities

  • Errands and things to do: grade B-

    8 grocery stores, 136 restaurants, 29 parks mapped in town.

    58 of 100 vs TX cities

  • Getting around: grade F

    Average commute 29 min, 36% work from home.

    5 of 100 vs US cities

  • Education levels: grade A+

    67% have a bachelor’s degree.

    95 of 100 vs US cities

  • Health: grade A-

    7.5% of adults uninsured.

    82 of 100 vs US cities

  • Home ownership: grade B+

    88% of homes owner-occupied.

    77 of 100 vs US cities

  • Internet access: grade A+

    98% of homes have broadband.

    96 of 100 vs US cities

Where Prosper stands out compared with Texas

Better than Texas

  • Median household income: $195,281149% higher than Texas ($78,476)
  • Adults with a bachelor's degree or higher: 67%33 points higher than Texas (34%)
  • Homes owned by the people living in them: 88%25 points higher than Texas (63%)

Worse than Texas

  • Median rent: $2,17655% higher than Texas ($1,403)
  • Home value to income: 4.2x17% higher than Texas (3.6x)
  • Average commute: 29 min10% higher than Texas (27 min)

Cost of living in Prosper

Prosper renters pay a median of $2,176 a month, 55% higher than the statewide median. The usual rule is to spend no more than 30% of income on rent, which means earning around $87,000 a year for a median unit. Right now 42% 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 $823,700, 190% higher than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $4,509 before tax, or $5,342 with property tax. That is $3,166 a month more than the median rent, so renting is the cheaper monthly choice unless you plan to stay for years.

Texas has no state income tax, but property taxes are among the highest in the country. The median homeowner in Prosper pays $10,000+ a year, 136% higher than the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.

See the full cost of living breakdown for Prosper

Typical rent by apartment size

Fair market rent by bedroom count in ProsperStudio$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 rent55% higher than Texas$2,176$1,403$1,413
Median home value190% higher than Texas$823,700$283,800$332,700
Home value to income17% higher than Texas4.2x3.6x4.1x
Renters paying 30%+ of income on rent10 points lower than Texas42%52%51%
Median property tax per year136% higher than Texas$10,000+$4,232$3,119
Homes owned by the people living in them25 points higher than Texas88%63%65%
Median year homes were builtAbout the same as Texas201419921980

Monthly cost to buy a median home

$5,342
Mortgage payment
$4,509
Property tax
$833
Median rent, for comparison
$2,176

Based on a $823,700 home in Prosper, 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.

Is Prosper safe?

In 2025, Prosper Police Department reported 21 violent crimes and 327 property crimes. That works out to 43 violent crimes per 100,000 people, 89% lower than the Texas rate of 387, and 670 property crimes per 100,000, 68% lower than the state rate.

Violent crime has been fairly steady since 2021.

Crime rates describe the whole area a police department covers. Some streets are much quieter than the average and some are busier, so look at the neighborhood grades and visit at different times of day.

Violent crimes per 100,000 people in Prosper by yearTexas4320212022202320242025

Violent crimes per 100,000 people by year. The dashed line is the Texas rate for 2025.

Violent crime
43
per 100k, Texas 387
Property crime
670
per 100k, Texas 2,086
Property crimes per 100,000 people in Prosper by yearTexas67020212022202320242025

Property crimes per 100,000 people by year.

Source: FBI Crime Data Explorer, Prosper Police Department, 2025. Rates count reported crimes only and cover the area this police department serves.

Schools in Prosper

Prosper has 14 public school campuses with a 2025 state rating inside the city, and 100% of them earn an A or B. Most students here are served by Prosper ISD.

Top-rated campuses include Lorene Rogers Middle, Cynthia A Cockrell Elementary and Reynolds Middle. The average rating score across all campuses is 90 out of 100, against a Texas median of 81.

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
86
of 100 vs Texas cities
Average rating
90
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

  • ALorene Rogers MiddleMiddle, Prosper ISD93 of 100
  • ACynthia A Cockrell ElementaryElementary, Prosper ISD92 of 100
  • AReynolds MiddleMiddle, Prosper ISD92 of 100
  • AWindsong Ranch ElementaryElementary, Prosper ISD92 of 100
  • AChuck and Cindy Stuber ElementaryElementary, Prosper ISD91 of 100

Best neighborhoods in Prosper

We grade 7 areas inside Prosper. The top three are Crestview at Prosper (A), Central Prosper (A) and Northeast Prosper (A-). If price matters most, Southeast Prosper has the lowest median rent among areas graded C or better, at $1,940 a month. Whitley Place is the priciest, at $3,500+. Use the map to color the city by any grade, or the sliders to rank areas by what you care about.

Loading map

    Rank Prosper neighborhoods your way

    What matters to you?

    Move a slider and the list re-ranks right away.

    Most
    A lot
    Most
    A lot
    A lot
    A lot
    Some
    A lot
    Some
    A little

    The grade is our overall grade. Fit shows how well each one matches your sliders, from 0 to 100, against the others in this list.

    7 Prosper neighborhoods, ranked by your priorities
    1. 1ACrestview at Prosper10,033 people, median rent $2,060, home $710,000100fit
    2. 2ACentral Prosper7,179 people, median rent $2,080, home $882,00083fit
    3. 3A-Northeast Prosper2,948 people, median rent $2,020, home $903,00067fit
    4. 4A-Southwest Prosper2,751 people, median rent $2,700, home $757,00050fit
    5. 5B+Whitley Place6,082 people, median rent $3,500+, home $946,00033fit
    6. 6B+Southeast Prosper3,841 people, median rent $1,940, home $652,00017fit
    7. 7B-West Prosper5,035 people, median rent $2,620, home $884,0000fit
    All 7 Prosper neighborhoods, A to Z

    Daily life in Prosper

    Everyday places mapped inside Prosper, from Overture Maps. Well-known spots include Frontier Park, Town Lake Park - Whispering Farms, Willow Ridge Park.

    The average one-way commute is 29 minutes, 10% longer than the Texas average. 36% 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 Prosper work elsewhere in the metro, so test the drive at rush hour before you commit.

    The median household income is $195,281, income per person is $72,601, unemployment is 5.6% and 67% of adults hold a bachelor's degree.

    Grocery stores
    8
    Pharmacies
    11
    Restaurants
    136
    Cafes
    14
    Bars
    5
    Parks
    29
    Gyms
    31
    Hospitals and urgent care
    9
    Childcare
    12
    Libraries
    2

    Jobs, income and education

    MeasureHereTexasUS
    Median household income149% higher than Texas$195,281$78,476$80,734
    Income per person78% higher than Texas$72,601$40,752$44,673
    Unemployment rateAbout the same as Texas5.6%5.3%5.2%
    People below the poverty line8 points lower than Texas5.5%14%12%
    Adults with a bachelor's degree or higher33 points higher than Texas67%34%36%
    Adults with a high school diploma or higher12 points higher than Texas98%86%90%
    Adults 18 to 64 without health insurance12 points lower than Texas7.5%20%11%
    Homes with broadband internet7 points higher than Texas98%91%91%

    Getting to work

    MeasureHereTexasUS
    Average commute10% higher than Texas29 min27 min26 min
    Workers who work from home21 points higher than Texas36%14%15%
    Workers who work from home36%
    Workers who take transit0%
    Workers who walk0.3%
    Workers who bike0%

    Who lives in Prosper

    Under 1833%
    18 to 3414%
    35 to 6444%
    65 and over9.2%

    Median age 37.6 years. 60% of households have children.

    Race and ethnicity
    White59%
    Hispanic or Latino12%
    Black7.2%
    Asian15%
    Other or more than one race6.4%

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

    Weather in Prosper

    Prosper has a hot Texas climate. July highs average 95°F and January lows about 34°F. There are about 97 days a year at 90°F or above, and about 38 inches of rain a year.

    Average monthly high and low temperatures in Prosper30°50°70°90°56J60F68M75A83M91J95J96A88S78O66N57DRain

    Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Mckinney Muni Ap, 12 mi away. Orange months average 90°F or more.

    Natural hazard risk

    FEMA's National Risk Index says river flooding risk is high, hurricane risk is moderate, tornado risk is very high and hail risk is very high. Before you buy, look up the FEMA flood zone for the exact address and get a flood insurance quote, since standard home policies do not cover floods.

    • River floodingHigh
    • HurricanesModerate
    • TornadoesVery high
    • HailVery high
    • Heat wavesVery high
    • WildfiresVery high
    • Winter stormsModerate
    • 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 Prosper

    Nearby, Savannah gets a B+, Pilot Point gets a B- and Aubrey 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. B+SavannahTown, 6,469 people6 mi
    2. B-Pilot PointTown, 5,332 people6 mi
    3. B-AubreyTown, 7,396 people6 mi
    4. A-CelinaSmall city, 34,268 people6 mi
    5. A+FriscoCity, 219,304 people6 mi
    6. BLittle ElmCity, 54,820 people7 mi

    Prosper 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. 16APlano290,594 people18 mito downtown
    5. 17ASachse30,491 people16 mito downtown
    6. 18AMcKinney210,600 people29 mito downtown
    7. 19AProsper37,869 people31 mito downtown
    8. 20ACopper Canyon2,514 people28 mito downtown
    9. 21AHeath10,777 people18 mito downtown
    10. 22AWestlake1,670 people28 mito downtown

    See all of the best suburbs of dallas-fort worth

    Living in Prosper: common questions

    Is Prosper, TX a good place to live?

    We give Prosper an A. It ranks 13th of 192 Texas cities of 10,000 to 50,000 people. It does best on internet access and education levels, and trails on getting around. It is a strong pick for families, retirees and remote workers.

    How much does it cost to live in Prosper?

    Renters in Prosper pay a median of $2,176 a month, 55% higher than the Texas median. The median home is worth $823,700, 190% higher than the Texas median. A median home costs 4.2x 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 $5,342, including property tax.

    Is Prosper safe?

    In 2025, Prosper Police Department reported 43 violent crimes per 100,000 people, 89% lower than the Texas rate. Property crime was 670 per 100,000, 68% lower than the Texas rate.

    Are the schools good in Prosper?

    We found 14 rated public school campuses inside Prosper. 100% are rated A or B by the Texas Education Agency. Its schools score is 86 of 100 compared with other Texas cities of 10,000 to 50,000 people.

    What are the best neighborhoods in Prosper?

    Based on our scores, the top-rated areas in Prosper are Crestview at Prosper, Central Prosper and Northeast Prosper. We score 7 areas in the city.

    Does Prosper flood?

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

    What is the weather like in Prosper?

    Summers in Prosper peak at about 95°F in July, and January nights fall to about 34°F. Expect around 97 days a year at 90°F or hotter, and 38 inches of rain.

    How long is the commute in Prosper?

    The average one-way commute is 29 min, 10% higher than the Texas average. About 36% 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.