Market
How long will you hold a flip in Texas?
Homes across 12 Texas markets take a median of 50 days to sell. What that means for the loan term you need, county by county.
TEXAS · May 2026
8.9 months of renovation before a 12-month term breaks
Based on the median across 12 covered markets. Your own county may give you more room or less - the table below has each one.
Across the 12 Texas markets covered here, homes take a median of 50 days to sell. Add roughly 45 days for the buyer to close and the tail after your renovation runs about 3.1 months.
A flip is three phases: renovation, then time on market, then the buyer's closing. Only the first is under your control, and the other two keep accruing interest.
Every covered Texas market
| County | Median days on market | Renovation allowance | Homes sold | Median price |
|---|---|---|---|---|
| Harris | 41 days | 9.2 months | 3,714 | $335,000 |
| Tarrant | 38 days | 9.3 months | 1,954 | $355,500 |
| Bexar | 66 days | 8.3 months | 1,844 | $299,000 |
| Dallas | 36 days | 9.3 months | 1,564 | $392,335 |
| Collin | 48 days | 8.9 months | 1,534 | $483,044 |
| Montgomery | 56 days | 8.7 months | 1,416 | $349,990 |
| Denton | 45 days | 9.0 months | 1,342 | $465,000 |
| Travis | 51 days | 8.8 months | 1,148 | $572,150 |
| Fort Bend | 50 days | 8.9 months | 1,025 | $399,900 |
| Williamson | 65 days | 8.4 months | 992 | $416,995 |
| El Paso | 53 days | 8.8 months | 760 | $277,950 |
| Lubbock | 43 days | 9.1 months | 479 | $250,000 |
The spread inside Texas is the point
Dallas County sells in 36 days. Bexar County takes 66. That is a 30-day difference in the same state, which is 1.0 months of extra interest and carrying cost on an identical deal. A state-level rule of thumb about loan terms is not much use here; use the county.
What this actually means for borrowing here
- Ask for the term you need, not the term offered. Twelve months is a product default, not an assessment of your deal.
- Get the extension terms in writing - the fee, the length, and whether granting one is your right or the lender's discretion. See extensions and default.
- Price the deal at the full hold, not the renovation timeline. Run it through the true-cost calculator and watch the break-even resale price move.
- Check licensing. Whether a lender needs a licence to lend in Texas is a separate question with a real answer - see lender licensing.