Plano is one of the most established and consistently in-demand corporate relocation destinations in all of North Texas — and it just got a major new anchor. AT&T announced in January 2026 that it is relocating its global headquarters to a new $1.3 billion, 54-acre campus on Legacy Drive — joining JPMorgan Chase (11,000+ employees), Toyota North America, Liberty Mutual, Frito-Lay, and Bank of America in one of the most concentrated corporate corridors anywhere in the Dallas-Fort Worth Metroplex.
For buyers, that employment base means one thing above everything else: sustained demand. Plano's median home price of around $490K–$543K sits 37% above the DFW metro median — and has been supported by exactly this kind of employer concentration for over a decade. First Commerce Financial serves Plano with wholesale rates from 20+ lenders, zero junk fees, and same-day pre-approvals. Kirk Chivas handles Texas directly — you are talking to a co-founder, not a call center.
Plano's housing premium over the broader DFW market is not accidental — it is the direct product of thirty years of deliberate corporate recruitment that has turned the Legacy Drive corridor into one of the most concentrated employment hubs in the entire Sun Belt. JPMorgan Chase, Bank of America, Toyota North America, Liberty Mutual, Frito-Lay, and now AT&T have all made major campus commitments in Plano. The city has more than 140 financial services companies employing over 50,000 people — three times the national average concentration of financial services jobs.
That employment base creates a buyer profile unlike almost anywhere else in DFW — highly compensated professionals relocating from major metro areas, often with significant equity or cash to bring to the table, shopping in the $450K–$750K range where Plano's established neighborhoods, top-rated Plano ISD schools, and Legacy Drive proximity all converge. The result is a market that has appreciated 84% since 2015 and has maintained median prices above $490K even as the broader DFW market corrected.
🏛 AT&T Moving Global Headquarters to Plano — What It Means for Buyers
AT&T announced on January 5, 2026 that it will relocate its global headquarters to a new $1.3 billion, 54-acre campus at 5400 Legacy Drive — the former Electronic Data Systems site. The campus will consolidate AT&T's three largest DFW administrative locations in Central Dallas, Plano, and Irving into a single Plano address. Partial occupancy is targeted for the second half of 2028.
Once complete, AT&T is expected to become Plano's second-largest employer behind JPMorgan Chase. The move has been called a "gold star" for Plano's corporate hub status and is already driving increased buyer interest in ZIP codes 75024, 75025, and 75093 — the Legacy Drive corridor and adjacent neighborhoods — from buyers wanting proximity to what will become one of the most significant corporate campuses in North Texas.
For buyers considering Plano right now: this kind of employer announcement historically precedes meaningful appreciation in surrounding residential neighborhoods. Buyers who moved into the Legacy corridor after Toyota and JPMorgan Chase announced their Plano campuses saw strong appreciation in the years that followed. The AT&T announcement is the same signal — earlier in the timeline.
🏛 West Plano — Legacy Drive Corridor (75024, 75093)
Plano's premium address — the Legacy West and Legacy East mixed-use districts, Shops at Legacy, luxury high-rises, and established residential neighborhoods closest to the JPMorgan Chase, Toyota, and incoming AT&T campuses. Highest median prices in the city, often running $650K–$1M+. Competes directly with Frisco and Prosper for corporate relocation buyers who want established luxury over speculative growth.
🏛 Central Plano — Established Neighborhoods (75025, 75023)
The heart of Plano's residential market — well-established neighborhoods from the 1980s and 1990s with mature trees, strong Plano ISD schools, and a location that puts residents within easy reach of both the Legacy corridor and US-75. Median prices typically running $450K–$600K. The most active segment of the Plano market by transaction volume and consistently the most searched.
🏛 East Plano — Value Entry Point (75074, 75075)
Plano's most accessible price tier — established neighborhoods from the 1970s through 1990s that maintain Plano ISD access at price points below the city median. Competes with Richardson and Garland but offers the Plano schools advantage. Strong draw for first-time buyers and families who want the Plano ISD label at a more accessible entry point than West or Central Plano.
🏛 Willow Bend & Lakeside on Preston
Plano's established luxury tier — gated communities, golf course views, large lots, and custom homes in the $800K–$2M+ range. Limited inventory and low turnover mean listings in this segment move quickly even in a softer broader market. Jumbo financing is standard here and we have strong wholesale jumbo lender relationships across multiple programs.
🏛 Downtown Plano & Collin Creek Corridor
Plano's urban revitalization story — the Collin Creek redevelopment is adding mixed-use inventory, townhomes, and walkable retail to a corridor that was long underutilized. Attracting a younger professional buyer profile who wants urban character at DFW prices. New construction townhomes in the $400K–$550K range have drawn significant interest from corporate employees who want proximity to the Legacy corridor without a single-family maintenance burden.
🏛 Plano ISD — The School District Thread
Plano ISD runs through every neighborhood conversation in this city. Plano Senior, Plano West, Plano East, and Clark High Schools are consistently among the most highly regarded in North Texas. For families relocating from out of state, Plano ISD is often the deciding factor that tips the search toward Plano over Allen, McKinney, or Frisco. We flag school zoning for every Plano buyer we work with — it affects both what you pay today and what you can sell for later.
Plano's buyer profile is weighted toward high-income corporate professionals — often relocating with significant equity, strong W-2 income, and in some cases VA entitlement from prior military service. Here is how we approach the most common Plano scenarios:
🏠 Conventional Loans — The Most Common Plano Program
3–20% DownMost Plano purchases in the $450K–$700K range close with conventional financing. We shop 20+ wholesale lenders to find your best conventional rate for your credit profile and down payment — no junk fees, complete transparency from day one.
📈 Jumbo Loans — West Plano and Luxury Tier
$800K+West Plano, Willow Bend, and the Legacy corridor luxury tier regularly push into jumbo territory. We have wholesale jumbo programs in the $800K–$3M+ range that consistently beat retail bank rates, with no junk fees and complete cost transparency from the first conversation.
🏠 FHA Loans — East Plano First-Time Buyers
3.5% DownEast Plano's more accessible price points make FHA a genuine path to Plano ISD homeownership for first-time buyers. At $400K, an FHA down payment is roughly $14,000 — still more accessible than most DFW markets at comparable school district quality. We run FHA and conventional side by side so you see the real cost difference.
✈ VA Loans — Veterans in the DFW Corporate Corridor
0% DownThe DFW corporate corridor has a significant veteran population — particularly among defense contractors and former military professionals working in the technology and finance sectors. If you have VA entitlement, Plano's price point may push some properties into jumbo VA territory. We handle both standard and jumbo VA scenarios completely.
💰 The Plano Corporate Relocation Buyer Profile
A large share of Plano's buyer activity comes from corporate relocations — professionals moving from California, New York, Illinois, and the Pacific Northwest for JPMorgan Chase, Toyota, AT&T, and the broader Legacy corridor employer base. These buyers often arrive with significant equity from a higher-cost market, a specific budget driven by relocation package parameters, and a timeline that does not always accommodate a leisurely house search.
We handle corporate relocation buyers regularly. If you are starting a new role in Plano and want to understand your financing options before you start touring neighborhoods, that 15-minute call before the search begins is exactly the right place to start. We can pre-approve you based on your offer letter before you have even started the job.
💰 What the Wholesale Rate Advantage Means in Plano
On a $500,000 Plano home, a 0.25% rate difference saves approximately $20,000 over the life of the loan. On a $750,000 West Plano purchase that difference is $30,000+. Add zero junk fees on top and the total advantage vs. going directly to a retail bank or the lender your HR relocation coordinator recommends is often $25,000–$40,000 over 30 years. We show you the math before you commit to anything.
See the Full Broker vs. Bank Breakdown →What does the AT&T headquarters announcement mean for Plano home buyers?
It is a significant long-term demand signal for the neighborhoods closest to the Legacy Drive corridor — particularly ZIP codes 75024, 75025, and 75093. AT&T's campus consolidates thousands of employees currently spread across Central Dallas, Plano, and Irving into a single Plano address, creating new demand for housing within commuting distance. Partial occupancy is targeted for late 2028, which means the full demand impact is still ahead. Buyers who moved into the Legacy corridor after Toyota and JPMorgan Chase announced their Plano campuses saw strong appreciation in the years that followed. That does not guarantee the same outcome, but the pattern is worth understanding before you decide which Plano neighborhood to target.
Is Plano ISD worth the premium over Allen ISD or McKinney ISD?
Plano ISD and Allen ISD are both consistently excellent — the premium is more about established neighborhood character and Legacy corridor proximity than school quality alone. Plano ISD's four high schools (Plano Senior, Plano West, Plano East, Clark) are all well-regarded. For buyers choosing between Plano and Allen at similar price points, the school district difference is usually less significant than location, commute, and specific neighborhood appeal. We are not real estate agents and will not steer you one way or the other — but we have financed enough Plano and Allen purchases to give you an honest read on the tradeoffs.
I am relocating to Plano for a job at JPMorgan Chase. Where do I start?
Start with a pre-approval before you start touring. We can approve you based on your offer letter before you have started the role, so you know your exact budget and can move quickly when you find the right neighborhood. Corporate relocation buyers who arrive without a pre-approval consistently lose homes to local buyers who are ready to move. The Legacy corridor — where JPMorgan Chase's campus sits — is one of the most competitive price tiers in Plano. Being pre-approved and ready to act is the single most important advantage you can have in that market.
What is the price difference between West, Central, and East Plano?
As a rough guide: West Plano (Legacy corridor, 75024/75093) typically runs $600K–$1M+ for established single-family homes. Central Plano (75023/75025) runs $450K–$650K for the most active resale segment. East Plano (75074/75075) offers the most accessible entry points at $350K–$480K. These are generalizations — specific streets, lot sizes, and school zones within each area produce significant variation. We can tell you exactly what your pre-approval supports in each zone before you start searching.
Do I need a jumbo loan for Plano?
It depends on your price point and down payment. The 2026 conforming loan limit is $766,550 for a single-family home in Collin County. If your loan amount stays below that — which it will for most Central and East Plano purchases with a standard down payment — you stay in conventional territory. West Plano and luxury tier purchases above $800K–$900K typically push into jumbo. We model both conventional and jumbo scenarios for every Plano buyer and tell you exactly where the crossover point is for your specific situation.
How does First Commerce Financial serve Plano if you are not based there?
Everything is done virtually — upload documents securely, communicate by phone, text, and Zoom, and close from wherever you are. We are licensed in Texas and Kirk Chivas handles Texas personally. You are talking to a co-founder with 28+ years of experience — not a commissioned loan officer at a call center. Same-day pre-approvals in most cases, which matters in a market where the right Plano home does not wait.
Wholesale rates from 20+ lenders, zero junk fees, same-day pre-approvals. Kirk Chivas handles Texas personally. Whether you are relocating for AT&T, JPMorgan Chase, Toyota, or any of Plano's major employers — talk to the owner before you talk to anyone else.
Get Your Free Pre-Approval →Or call or text us directly at (248) 459-5511 · NMLS #137512
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First Commerce Financial | Licensed Independent Mortgage Broker | NMLS #137512 | Licensed in Michigan, Florida, Arizona, and Texas | Ken Turkington NMLS #137873 | Kirk Chivas NMLS #160828 | Equal Housing Opportunity
