Behind on Mortgage Payments in Irving, TX?
No judgment. Life happens — job loss, medical bills, unexpected expenses. EasyOffer has helped hundreds of families in Irving get cash and move on before falling further behind.
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Market Snapshot: Irving, TX
Latest available data from public sources. Updated .
Median Home Value
$315,600
Census ACS 2024
Zillow Home Value Index
$332,438
-3.0% YoY
Zillow ZHVI
Median Sale Price
$654,900
Redfin
Days on Market
125 days
Redfin
Population
236,607
+0.4% since 2020
U.S. Census
Median Household Income
$81,830
Census ACS 2024
Sale-to-List Ratio
96.4%
Redfin
Active Inventory
55 homes
Redfin
Owner-Occupied
38.1%
Census ACS 2024
Price per Sq Ft
$296/sqft
Redfin
Recent Sales
7 homes
Redfin
Unemployment Rate
4.5%
BLS
Property Tax
$4,752/yr
Census ACS 2024
Median Age
32.8 years
Census ACS 2024
Poverty Rate
11.0%
Census ACS 2024
Avg. Commute
24 min
Census ACS 2024
| Metric | Value | Change | Source |
|---|---|---|---|
| Median Home Value | $315,600 | — | Census ACS 2024 |
| Zillow Home Value Index | $332,438 | -3.0% YoY | Zillow ZHVI |
| Median Sale Price | $654,900 | — | Redfin |
| Days on Market | 125 days | — | Redfin |
| Population | 236,607 | +0.4% since 2020 | U.S. Census |
| Median Household Income | $81,830 | — | Census ACS 2024 |
| Sale-to-List Ratio | 96.4% | — | Redfin |
| Active Inventory | 55 homes | — | Redfin |
| Owner-Occupied | 38.1% | — | Census ACS 2024 |
| Price per Sq Ft | $296/sqft | — | Redfin |
| Recent Sales | 7 homes | — | Redfin |
| Unemployment Rate | 4.5% | — | BLS |
| Property Tax | $4,752/yr | — | Census ACS 2024 |
| Median Age | 32.8 years | — | Census ACS 2024 |
| Poverty Rate | 11.0% | — | Census ACS 2024 |
| Avg. Commute | 24 min | — | Census ACS 2024 |
Why Homeowners in Irving Choose EasyOffer
Irving's median home value is $332,438 (Zillow, 2026), down 3.0% year-over-year. With 236,607 residents growing 0.4% since 2020. homes here sell in a median of 125 days with a 96.4% sale-to-list ratio. Irving has unemployment at 4.5% (BLS), a poverty rate of 11.0%, median property taxes of $4,752/year (Census ACS). the median resident age is 32.8 years.
Every missed payment in Irving adds late fees, damages your credit, and brings you closer to foreclosure. Lenders typically begin the foreclosure process after 90 to 120 days of missed payments. Selling now lets you pay off the mortgage, keep any remaining equity, and avoid the cascading consequences of inaction.
Irving offers strong affordability compared to neighboring Dallas, with a median home price around $196K that is still 38% above the Texas average, and Irving's 75060 zip code ranks among the nation's hottest for home sales. Las Colinas provides a luxury alternative with premium pricing that rivals upscale Dallas neighborhoods.
We also serve property owners in nearby Grand Prairie, Euless, Farmers Branch, and throughout Texas.
Serving Irving and Surrounding Areas
Neighborhoods We Serve
Las Colinas
A prestigious master-planned community with high-end apartments, upscale homes, Lake Carolyn, the Mandalay Canal system, and corporate campuses for Fortune 500 companies, essentially a city-within-a-city.
Valley Ranch
A well-established neighborhood with canals, walking paths, and lush green spaces meandering through its residential areas, offering diverse housing from townhomes to executive estates with a community-centered feel.
Heritage District
Irving's birthplace featuring an eclectic mix of old and new homes with walkable access to locally owned dining and entertainment, undergoing revitalization with rising property values.
Notable Landmarks
Toyota Music Factory (8,000-seat music hall and entertainment complex) · Irving Arts Center (theater, ballet, symphony, and visual exhibits) · Lake Carolyn and Mandalay Canal Walk in Las Colinas · Mustangs at Las Colinas (iconic bronze sculpture)
Major Employers
ExxonMobil (nearby corporate campus) · Citibank (major operations center) · Verizon (regional hub) · Kimberly-Clark (corporate offices)
Top Schools
Natural Hazard Awareness
Irving faces risk from severe thunderstorms and occasional tornadoes during spring months, with localized flash flooding possible in low-lying areas near creeks, though the city is generally considered lower-risk than other parts of North Texas.
How It Works
Here is how homeowners behind on payments in Irving sell with EasyOffer:
Tell Us About Your Property
Enter your address and contact info. Takes 30 seconds.
Get Your Cash Offer
We analyze your Irving property and send a fair, no-obligation offer.
Close and Get Paid
Pick your closing date. We handle paperwork and pay all closing costs.
Tell Us About Your Property
Enter your address and contact info. Takes 30 seconds.
Get Your Cash Offer
We analyze your Irving property and send a fair, no-obligation offer.
Close and Get Paid
Pick your closing date. We handle paperwork and pay all closing costs.
Frequently Asked Questions
Can I sell my house if I am behind on mortgage payments?
Yes. As long as you still own the property, you can sell it. All missed payments, late fees, and the remaining mortgage balance are paid from the sale proceeds at closing.
How many payments can I miss before foreclosure in TX?
Most lenders in Texas begin the foreclosure process after 3 to 4 missed payments (90 to 120 days). However, timelines vary by lender and loan type. Acting sooner gives you more options.
Will I still owe money after selling if I am behind on payments?
If your home sells for more than you owe (including missed payments and fees), you keep the difference. If you owe more than the home is worth, we can negotiate a short sale with your lender.
What if the bank has already sent me a default notice?
A default notice means the clock is ticking, but you can still sell. We work fast and can close before the foreclosure process advances further. Contact us immediately to discuss your timeline.
Will selling hurt my credit less than foreclosure?
Significantly. A completed foreclosure can drop your credit score by 100 to 160 points and stays on your record for 7 years. A standard sale, even with missed payments already reported, is far less damaging.
Can I sell if I have a second mortgage or home equity loan?
Yes. All liens, including second mortgages and HELOCs, are paid off at closing from the sale proceeds. The title company ensures every lien holder is satisfied.
What Our Sellers Say
“My mom passed and I inherited her place in Antioch. It needed a ton of work and I live out of state so I couldn't deal with contractors or showings. They came out, looked at it, and had a number for me the next day. We closed in 9 days. The whole thing was so much easier than I expected.”
Inherited Property
“Honestly I was skeptical at first because I'd heard horror stories about cash buyers lowballing people. But they explained exactly how they came up with the number and it was fair. We were behind on payments and they got everything done in a week. No last-minute changes, no surprises at closing.”
Avoided Foreclosure
“My husband got transferred to Dallas and we had about three weeks to figure out the house. A friend told us about EasyOffer. They gave us a cash offer that same afternoon and worked around our move date. We closed 11 days later without having to do a single showing or open house.”
Job Relocation