diff --git a/src/OpenApi/gen/XmlCommentGenerator.Emitter.cs b/src/OpenApi/gen/XmlCommentGenerator.Emitter.cs
index d83aa5028c18..b7bff6ff1282 100644
--- a/src/OpenApi/gen/XmlCommentGenerator.Emitter.cs
+++ b/src/OpenApi/gen/XmlCommentGenerator.Emitter.cs
@@ -452,11 +452,20 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                     if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyDocId), out var propertyComment))
                     {
                         var parameter = operation.Parameters?.SingleOrDefault(p => p.Name == metadata.Name);
+                        var description = propertyComment.Summary;
+                        if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                        {
+                            description = $"{description}\n{propertyComment.Value}";
+                        }
+                        else if (string.IsNullOrEmpty(description))
+                        {
+                            description = propertyComment.Value;
+                        }
                         if (parameter is null)
                         {
                             if (operation.RequestBody is not null)
                             {
-                                operation.RequestBody.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                                operation.RequestBody.Description = description;
                                 if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                                 {
                                     var content = operation.RequestBody.Content?.Values;
@@ -476,7 +485,7 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                         var targetOperationParameter = UnwrapOpenApiParameter(parameter);
                         if (targetOperationParameter is not null)
                         {
-                            targetOperationParameter.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                            targetOperationParameter.Description = description;
                             if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                             {
                                 targetOperationParameter.Example = jsonString.Parse();
@@ -533,12 +542,21 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                 // Apply comments from the property
                 if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyInfo.CreateDocumentationId()), out var propertyComment))
                 {
+                    var description = propertyComment.Summary;
+                    if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                    {
+                        description = $"{description}\n{propertyComment.Value}";
+                    }
+                    else if (string.IsNullOrEmpty(description))
+                    {
+                        description = propertyComment.Value;
+                    }
                     if (schema.Metadata is null
                         || !schema.Metadata.TryGetValue("x-schema-id", out var schemaId)
                         || string.IsNullOrEmpty(schemaId as string))
                     {
                         // Inlined schema
-                        schema.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        schema.Description = description;
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Example = jsonString.Parse();
@@ -547,7 +565,10 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                     else
                     {
                         // Schema Reference
-                        schema.Metadata["x-ref-description"] = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        if (!string.IsNullOrEmpty(description))
+                        {
+                            schema.Metadata["x-ref-description"] = description;
+                        }
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Metadata["x-ref-example"] = jsonString.Parse()!;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/AdditionalTextsTests.Schemas.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/AdditionalTextsTests.Schemas.cs
index d63d608c86a4..d349f172b24e 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/AdditionalTextsTests.Schemas.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/AdditionalTextsTests.Schemas.cs
@@ -215,7 +215,7 @@ await SnapshotTestHelper.VerifyOpenApi(compilation, additionalAssemblies, docume
             todo = path.RequestBody.Content["application/json"].Schema;
             Assert.Equal("The identifier of the todo.", todo.Properties["id"].Description);
             Assert.Equal("The name of the todo.", todo.Properties["name"].Description);
-            Assert.Equal("Another description of the todo.", todo.Properties["description"].Description);
+            Assert.Equal($"A description of the todo.\nAnother description of the todo.", todo.Properties["description"].Description);
 
             path = document.Paths["/type-with-examples"].Operations[HttpMethod.Post];
             var typeWithExamples = path.RequestBody.Content["application/json"].Schema;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/CompletenessTests.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/CompletenessTests.cs
index 82ae70006c10..24656b12c63f 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/CompletenessTests.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/CompletenessTests.cs
@@ -37,6 +37,7 @@ public async Task SupportsAllXmlTagsOnSchemas()
 app.MapPost("/generic-class", (GenericClass<string> generic) => { });
 app.MapPost("/generic-parent", (GenericParent parent) => { });
 app.MapPost("/params-and-param-refs", (ParamsAndParamRefs refs) => { });
+app.MapPost("/xml-property-test", (XmlPropertyTestClass test) => { });
 
 
 app.Run();
@@ -471,6 +472,37 @@ protected virtual void Dispose(bool disposing)
         // No-op
     }
 }
+
+/// <summary>
+/// This class tests different XML comment scenarios for properties.
+/// </summary>
+public class XmlPropertyTestClass
+{
+    /// <summary>
+    /// A property with only summary tag.
+    /// </summary>
+    public string SummaryOnly { get; set; }
+
+    /// <value>
+    /// A property with only value tag.
+    /// </value>
+    public string ValueOnly { get; set; }
+
+    /// <summary>
+    /// A property with both summary and value.
+    /// </summary>
+    /// <value>Additional value information.</value>
+    public string BothSummaryAndValue { get; set; }
+
+    /// <returns>This should be ignored for properties.</returns>
+    public string ReturnsOnly { get; set; }
+
+    /// <summary>
+    /// A property with summary and returns.
+    /// </summary>
+    /// <returns>This should be ignored for properties.</returns>
+    public string SummaryAndReturns { get; set; }
+}
 """;
         var generator = new XmlCommentGenerator();
         await SnapshotTestHelper.Verify(source, generator, out var compilation);
@@ -479,6 +511,7 @@ await SnapshotTestHelper.VerifyOpenApi(compilation, document =>
             var path = document.Paths["/example-class"].Operations[HttpMethod.Post];
             var exampleClass = path.RequestBody.Content["application/json"].Schema;
             Assert.Equal("Every class and member should have a one sentence\nsummary describing its purpose.", exampleClass.Description, ignoreLineEndingDifferences: true);
+            // Label property has only <value> tag -> uses value directly
             Assert.Equal("The `Label` property represents a label\nfor this instance.", exampleClass.Properties["label"].Description, ignoreLineEndingDifferences: true);
 
             path = document.Paths["/person"].Operations[HttpMethod.Post];
@@ -523,6 +556,26 @@ await SnapshotTestHelper.VerifyOpenApi(compilation, document =>
             path = document.Paths["/params-and-param-refs"].Operations[HttpMethod.Post];
             var paramsAndParamRefs = path.RequestBody.Content["application/json"].Schema;
             Assert.Equal("This shows examples of typeparamref and typeparam tags", paramsAndParamRefs.Description);
+
+            // Test new XML property documentation behavior
+            path = document.Paths["/xml-property-test"].Operations[HttpMethod.Post];
+            var xmlPropertyTest = path.RequestBody.Content["application/json"].Schema;
+            Assert.Equal("This class tests different XML comment scenarios for properties.", xmlPropertyTest.Description);
+
+            // Property with only <summary> -> uses summary directly
+            Assert.Equal("A property with only summary tag.", xmlPropertyTest.Properties["summaryOnly"].Description);
+
+            // Property with only <value> -> uses value directly
+            Assert.Equal("A property with only value tag.", xmlPropertyTest.Properties["valueOnly"].Description);
+
+            // Property with both <summary> and <value> -> combines with newline separator
+            Assert.Equal($"A property with both summary and value.\nAdditional value information.", xmlPropertyTest.Properties["bothSummaryAndValue"].Description);
+
+            // Property with only <returns> -> should be null (ignored)
+            Assert.Null(xmlPropertyTest.Properties["returnsOnly"].Description);
+
+            // Property with <summary> and <returns> -> uses summary only, ignores returns
+            Assert.Equal("A property with summary and returns.", xmlPropertyTest.Properties["summaryAndReturns"].Description);
         });
     }
 }
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/OperationTests.MinimalApis.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/OperationTests.MinimalApis.cs
index 33544cd1a1af..dad4380e2f9a 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/OperationTests.MinimalApis.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/OperationTests.MinimalApis.cs
@@ -49,6 +49,7 @@ public async Task SupportsXmlCommentsOnOperationsFromMinimalApis()
 app.MapPost("/19", RouteHandlerExtensionMethods.Post19);
 app.MapGet("/20", RouteHandlerExtensionMethods.Get20);
 app.MapGet("/21", RouteHandlerExtensionMethods.Get21);
+app.MapGet("/22", RouteHandlerExtensionMethods.Get22);
 
 app.Run();
 
@@ -249,6 +250,15 @@ public static IResult Get21([AsParameters] XmlDocPriorityParametersClass priorit
     {
         return TypedResults.Ok($"Processed parameters");
     }
+
+    /// <summary>
+    /// Tests summary and value documentation priority on AsParameters properties.
+    /// </summary>
+    /// <param name="summaryValueParams">Parameters testing summary vs value priority.</param>
+    public static IResult Get22([AsParameters] SummaryValueParametersClass summaryValueParams)
+    {
+        return TypedResults.Ok($"Summary: {summaryValueParams.SummaryProperty}, Value: {summaryValueParams.ValueProperty}");
+    }
 }
 
 public class FirstParameters
@@ -371,6 +381,23 @@ public class XmlDocPriorityParametersClass
     /// <value>Value-only description.</value>
     public string? ValueOnlyProperty { get; set; }
 }
+
+public class SummaryValueParametersClass
+{
+    /// <summary>
+    /// Property with only summary documentation.
+    /// </summary>
+    public string? SummaryProperty { get; set; }
+
+    /// <summary>
+    /// Property with summary that should be overridden by value.
+    /// </summary>
+    /// <value>Value description that should take precedence over summary.</value>
+    public string? ValueProperty { get; set; }
+
+    /// <value>Property with only value documentation.</value>
+    public string? ValueOnlyProperty { get; set; }
+}
 """;
         var generator = new XmlCommentGenerator();
         await SnapshotTestHelper.Verify(source, generator, out var compilation);
@@ -478,16 +505,29 @@ await SnapshotTestHelper.VerifyOpenApi(compilation, document =>
             Assert.Equal("Property with only summary documentation.", summaryOnlyParam.Description);
 
             var summaryAndReturnsParam = path22.Parameters.First(p => p.Name == "SummaryAndReturnsProperty");
-            Assert.Equal("Returns-based description that should take precedence over summary.", summaryAndReturnsParam.Description);
+            Assert.Equal("Property with summary documentation that should be overridden.", summaryAndReturnsParam.Description);
 
             var allThreeParam = path22.Parameters.First(p => p.Name == "AllThreeProperty");
-            Assert.Equal("Value-based description that should take highest precedence.", allThreeParam.Description);
+            Assert.Equal($"Property with all three types of documentation.\nValue-based description that should take highest precedence.", allThreeParam.Description);
 
             var returnsOnlyParam = path22.Parameters.First(p => p.Name == "ReturnsOnlyProperty");
-            Assert.Equal("Returns-only description.", returnsOnlyParam.Description);
+            Assert.Null(returnsOnlyParam.Description);
 
             var valueOnlyParam = path22.Parameters.First(p => p.Name == "ValueOnlyProperty");
             Assert.Equal("Value-only description.", valueOnlyParam.Description);
+
+            // Test summary and value documentation priority for AsParameters
+            var path23 = document.Paths["/22"].Operations[HttpMethod.Get];
+            Assert.Equal("Tests summary and value documentation priority on AsParameters properties.", path23.Summary);
+
+            var summaryParam = path23.Parameters.First(p => p.Name == "SummaryProperty");
+            Assert.Equal("Property with only summary documentation.", summaryParam.Description);
+
+            var valueParam = path23.Parameters.First(p => p.Name == "ValueProperty");
+            Assert.Equal($"Property with summary that should be overridden by value.\nValue description that should take precedence over summary.", valueParam.Description);
+
+            var valueOnlyParam2 = path23.Parameters.First(p => p.Name == "ValueOnlyProperty");
+            Assert.Equal("Property with only value documentation.", valueOnlyParam2.Description);
         });
     }
 }
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/SchemaTests.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/SchemaTests.cs
index 629b1322c376..9fcd24ca2dec 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/SchemaTests.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/SchemaTests.cs
@@ -206,9 +206,13 @@ await SnapshotTestHelper.VerifyOpenApi(compilation, document =>
 
             path = document.Paths["/todo-with-description"].Operations[HttpMethod.Post];
             todo = path.RequestBody.Content["application/json"].Schema;
+            // Test different XML comment scenarios for properties:
+            // Id: only <summary> tag -> uses summary directly
             Assert.Equal("The identifier of the todo.", todo.Properties["id"].Description);
+            // Name: only <value> tag -> uses value directly
             Assert.Equal("The name of the todo.", todo.Properties["name"].Description);
-            Assert.Equal("Another description of the todo.", todo.Properties["description"].Description);
+            // Description: both <summary> and <value> tags -> combines with newline separator
+            Assert.Equal($"A description of the the todo.\nAnother description of the todo.", todo.Properties["description"].Description);
 
             path = document.Paths["/type-with-examples"].Operations[HttpMethod.Post];
             var typeWithExamples = path.RequestBody.Content["application/json"].Schema;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/AddOpenApiTests.CanInterceptAddOpenApi#OpenApiXmlCommentSupport.generated.verified.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/AddOpenApiTests.CanInterceptAddOpenApi#OpenApiXmlCommentSupport.generated.verified.cs
index 80dc82a41ecc..ce2763fd112a 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/AddOpenApiTests.CanInterceptAddOpenApi#OpenApiXmlCommentSupport.generated.verified.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/AddOpenApiTests.CanInterceptAddOpenApi#OpenApiXmlCommentSupport.generated.verified.cs
@@ -434,11 +434,20 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                     if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyDocId), out var propertyComment))
                     {
                         var parameter = operation.Parameters?.SingleOrDefault(p => p.Name == metadata.Name);
+                        var description = propertyComment.Summary;
+                        if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                        {
+                            description = $"{description}\n{propertyComment.Value}";
+                        }
+                        else if (string.IsNullOrEmpty(description))
+                        {
+                            description = propertyComment.Value;
+                        }
                         if (parameter is null)
                         {
                             if (operation.RequestBody is not null)
                             {
-                                operation.RequestBody.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                                operation.RequestBody.Description = description;
                                 if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                                 {
                                     var content = operation.RequestBody.Content?.Values;
@@ -458,7 +467,7 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                         var targetOperationParameter = UnwrapOpenApiParameter(parameter);
                         if (targetOperationParameter is not null)
                         {
-                            targetOperationParameter.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                            targetOperationParameter.Description = description;
                             if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                             {
                                 targetOperationParameter.Example = jsonString.Parse();
@@ -515,12 +524,21 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                 // Apply comments from the property
                 if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyInfo.CreateDocumentationId()), out var propertyComment))
                 {
+                    var description = propertyComment.Summary;
+                    if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                    {
+                        description = $"{description}\n{propertyComment.Value}";
+                    }
+                    else if (string.IsNullOrEmpty(description))
+                    {
+                        description = propertyComment.Value;
+                    }
                     if (schema.Metadata is null
                         || !schema.Metadata.TryGetValue("x-schema-id", out var schemaId)
                         || string.IsNullOrEmpty(schemaId as string))
                     {
                         // Inlined schema
-                        schema.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        schema.Description = description;
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Example = jsonString.Parse();
@@ -529,7 +547,10 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                     else
                     {
                         // Schema Reference
-                        schema.Metadata["x-ref-description"] = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        if (!string.IsNullOrEmpty(description))
+                        {
+                            schema.Metadata["x-ref-description"] = description;
+                        }
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Metadata["x-ref-example"] = jsonString.Parse()!;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/AdditionalTextsTests.CanHandleXmlForSchemasInAdditionalTexts#OpenApiXmlCommentSupport.generated.verified.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/AdditionalTextsTests.CanHandleXmlForSchemasInAdditionalTexts#OpenApiXmlCommentSupport.generated.verified.cs
index f5ced40af0d9..42aff6ae7205 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/AdditionalTextsTests.CanHandleXmlForSchemasInAdditionalTexts#OpenApiXmlCommentSupport.generated.verified.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/AdditionalTextsTests.CanHandleXmlForSchemasInAdditionalTexts#OpenApiXmlCommentSupport.generated.verified.cs
@@ -463,11 +463,20 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                     if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyDocId), out var propertyComment))
                     {
                         var parameter = operation.Parameters?.SingleOrDefault(p => p.Name == metadata.Name);
+                        var description = propertyComment.Summary;
+                        if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                        {
+                            description = $"{description}\n{propertyComment.Value}";
+                        }
+                        else if (string.IsNullOrEmpty(description))
+                        {
+                            description = propertyComment.Value;
+                        }
                         if (parameter is null)
                         {
                             if (operation.RequestBody is not null)
                             {
-                                operation.RequestBody.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                                operation.RequestBody.Description = description;
                                 if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                                 {
                                     var content = operation.RequestBody.Content?.Values;
@@ -487,7 +496,7 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                         var targetOperationParameter = UnwrapOpenApiParameter(parameter);
                         if (targetOperationParameter is not null)
                         {
-                            targetOperationParameter.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                            targetOperationParameter.Description = description;
                             if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                             {
                                 targetOperationParameter.Example = jsonString.Parse();
@@ -544,12 +553,21 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                 // Apply comments from the property
                 if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyInfo.CreateDocumentationId()), out var propertyComment))
                 {
+                    var description = propertyComment.Summary;
+                    if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                    {
+                        description = $"{description}\n{propertyComment.Value}";
+                    }
+                    else if (string.IsNullOrEmpty(description))
+                    {
+                        description = propertyComment.Value;
+                    }
                     if (schema.Metadata is null
                         || !schema.Metadata.TryGetValue("x-schema-id", out var schemaId)
                         || string.IsNullOrEmpty(schemaId as string))
                     {
                         // Inlined schema
-                        schema.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        schema.Description = description;
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Example = jsonString.Parse();
@@ -558,7 +576,10 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                     else
                     {
                         // Schema Reference
-                        schema.Metadata["x-ref-description"] = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        if (!string.IsNullOrEmpty(description))
+                        {
+                            schema.Metadata["x-ref-description"] = description;
+                        }
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Metadata["x-ref-example"] = jsonString.Parse()!;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/CompletenessTests.SupportsAllXmlTagsOnSchemas#OpenApiXmlCommentSupport.generated.verified.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/CompletenessTests.SupportsAllXmlTagsOnSchemas#OpenApiXmlCommentSupport.generated.verified.cs
index f135f2fc5697..03379781d78f 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/CompletenessTests.SupportsAllXmlTagsOnSchemas#OpenApiXmlCommentSupport.generated.verified.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/CompletenessTests.SupportsAllXmlTagsOnSchemas#OpenApiXmlCommentSupport.generated.verified.cs
@@ -148,6 +148,7 @@ type as a cref attribute.
 typeof expressions.", null, null, null, null, false, null, null, null));
             cache.Add(@"T:ParamsAndParamRefs", new XmlComment(@"This shows examples of typeparamref and typeparam tags", null, null, null, null, false, null, null, null));
             cache.Add(@"T:DisposableType", new XmlComment(@"A class that implements the IDisposable interface.", null, null, null, null, false, null, null, null));
+            cache.Add(@"T:XmlPropertyTestClass", new XmlComment(@"This class tests different XML comment scenarios for properties.", null, null, null, null, false, null, null, null));
             cache.Add(@"P:ExampleClass.Label", new XmlComment(null, null, @"    The string? ExampleClass.Label is a `string`
     that you use for a label.
     Note that there isn't a way to provide a ""cref"" to
@@ -160,6 +161,11 @@ Note that there isn't a way to provide a ""cref"" to
             cache.Add(@"P:GenericParent.TaskOfTupleProp", new XmlComment(@"This property is a generic type containing a tuple.", null, null, null, null, false, null, null, null));
             cache.Add(@"P:GenericParent.TupleWithGenericProp", new XmlComment(@"This property is a tuple with a generic type inside.", null, null, null, null, false, null, null, null));
             cache.Add(@"P:GenericParent.TupleWithNestedGenericProp", new XmlComment(@"This property is a tuple with a nested generic type inside.", null, null, null, null, false, null, null, null));
+            cache.Add(@"P:XmlPropertyTestClass.SummaryOnly", new XmlComment(@"A property with only summary tag.", null, null, null, null, false, null, null, null));
+            cache.Add(@"P:XmlPropertyTestClass.ValueOnly", new XmlComment(null, null, null, null, @"A property with only value tag.", false, null, null, null));
+            cache.Add(@"P:XmlPropertyTestClass.BothSummaryAndValue", new XmlComment(@"A property with both summary and value.", null, null, null, @"Additional value information.", false, null, null, null));
+            cache.Add(@"P:XmlPropertyTestClass.ReturnsOnly", new XmlComment(null, null, null, @"This should be ignored for properties.", null, false, null, null, null));
+            cache.Add(@"P:XmlPropertyTestClass.SummaryAndReturns", new XmlComment(@"A property with summary and returns.", null, null, @"This should be ignored for properties.", null, false, null, null, null));
             cache.Add(@"M:ExampleClass.Add(System.Int32,System.Int32)", new XmlComment(@"Adds two integers and returns the result.", null, null, @"The sum of two integers.", null, false, [@"    ```int c = Math.Add(4, 5);
 if (c &gt; 10)
 {
@@ -555,11 +561,20 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                     if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyDocId), out var propertyComment))
                     {
                         var parameter = operation.Parameters?.SingleOrDefault(p => p.Name == metadata.Name);
+                        var description = propertyComment.Summary;
+                        if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                        {
+                            description = $"{description}\n{propertyComment.Value}";
+                        }
+                        else if (string.IsNullOrEmpty(description))
+                        {
+                            description = propertyComment.Value;
+                        }
                         if (parameter is null)
                         {
                             if (operation.RequestBody is not null)
                             {
-                                operation.RequestBody.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                                operation.RequestBody.Description = description;
                                 if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                                 {
                                     var content = operation.RequestBody.Content?.Values;
@@ -579,7 +594,7 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                         var targetOperationParameter = UnwrapOpenApiParameter(parameter);
                         if (targetOperationParameter is not null)
                         {
-                            targetOperationParameter.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                            targetOperationParameter.Description = description;
                             if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                             {
                                 targetOperationParameter.Example = jsonString.Parse();
@@ -636,12 +651,21 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                 // Apply comments from the property
                 if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyInfo.CreateDocumentationId()), out var propertyComment))
                 {
+                    var description = propertyComment.Summary;
+                    if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                    {
+                        description = $"{description}\n{propertyComment.Value}";
+                    }
+                    else if (string.IsNullOrEmpty(description))
+                    {
+                        description = propertyComment.Value;
+                    }
                     if (schema.Metadata is null
                         || !schema.Metadata.TryGetValue("x-schema-id", out var schemaId)
                         || string.IsNullOrEmpty(schemaId as string))
                     {
                         // Inlined schema
-                        schema.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        schema.Description = description;
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Example = jsonString.Parse();
@@ -650,7 +674,10 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                     else
                     {
                         // Schema Reference
-                        schema.Metadata["x-ref-description"] = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        if (!string.IsNullOrEmpty(description))
+                        {
+                            schema.Metadata["x-ref-description"] = description;
+                        }
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Metadata["x-ref-example"] = jsonString.Parse()!;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/OperationTests.SupportsXmlCommentsOnOperationsFromControllers#OpenApiXmlCommentSupport.generated.verified.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/OperationTests.SupportsXmlCommentsOnOperationsFromControllers#OpenApiXmlCommentSupport.generated.verified.cs
index 419dd3c5caff..0c2836cc9f2f 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/OperationTests.SupportsXmlCommentsOnOperationsFromControllers#OpenApiXmlCommentSupport.generated.verified.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/OperationTests.SupportsXmlCommentsOnOperationsFromControllers#OpenApiXmlCommentSupport.generated.verified.cs
@@ -438,11 +438,20 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                     if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyDocId), out var propertyComment))
                     {
                         var parameter = operation.Parameters?.SingleOrDefault(p => p.Name == metadata.Name);
+                        var description = propertyComment.Summary;
+                        if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                        {
+                            description = $"{description}\n{propertyComment.Value}";
+                        }
+                        else if (string.IsNullOrEmpty(description))
+                        {
+                            description = propertyComment.Value;
+                        }
                         if (parameter is null)
                         {
                             if (operation.RequestBody is not null)
                             {
-                                operation.RequestBody.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                                operation.RequestBody.Description = description;
                                 if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                                 {
                                     var content = operation.RequestBody.Content?.Values;
@@ -462,7 +471,7 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                         var targetOperationParameter = UnwrapOpenApiParameter(parameter);
                         if (targetOperationParameter is not null)
                         {
-                            targetOperationParameter.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                            targetOperationParameter.Description = description;
                             if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                             {
                                 targetOperationParameter.Example = jsonString.Parse();
@@ -519,12 +528,21 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                 // Apply comments from the property
                 if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyInfo.CreateDocumentationId()), out var propertyComment))
                 {
+                    var description = propertyComment.Summary;
+                    if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                    {
+                        description = $"{description}\n{propertyComment.Value}";
+                    }
+                    else if (string.IsNullOrEmpty(description))
+                    {
+                        description = propertyComment.Value;
+                    }
                     if (schema.Metadata is null
                         || !schema.Metadata.TryGetValue("x-schema-id", out var schemaId)
                         || string.IsNullOrEmpty(schemaId as string))
                     {
                         // Inlined schema
-                        schema.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        schema.Description = description;
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Example = jsonString.Parse();
@@ -533,7 +551,10 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                     else
                     {
                         // Schema Reference
-                        schema.Metadata["x-ref-description"] = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        if (!string.IsNullOrEmpty(description))
+                        {
+                            schema.Metadata["x-ref-description"] = description;
+                        }
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Metadata["x-ref-example"] = jsonString.Parse()!;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/OperationTests.SupportsXmlCommentsOnOperationsFromMinimalApis#OpenApiXmlCommentSupport.generated.verified.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/OperationTests.SupportsXmlCommentsOnOperationsFromMinimalApis#OpenApiXmlCommentSupport.generated.verified.cs
index 7ddd295b8d29..c8da228d94d8 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/OperationTests.SupportsXmlCommentsOnOperationsFromMinimalApis#OpenApiXmlCommentSupport.generated.verified.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/OperationTests.SupportsXmlCommentsOnOperationsFromMinimalApis#OpenApiXmlCommentSupport.generated.verified.cs
@@ -89,6 +89,9 @@ private static Dictionary<string, XmlComment> GenerateCacheEntries()
             cache.Add(@"P:XmlDocPriorityParametersClass.AllThreeProperty", new XmlComment(@"Property with all three types of documentation.", null, null, @"Returns-based description that should be overridden by value.", @"Value-based description that should take highest precedence.", false, null, null, null));
             cache.Add(@"P:XmlDocPriorityParametersClass.ReturnsOnlyProperty", new XmlComment(null, null, null, @"Returns-only description.", null, false, null, null, null));
             cache.Add(@"P:XmlDocPriorityParametersClass.ValueOnlyProperty", new XmlComment(null, null, null, null, @"Value-only description.", false, null, null, null));
+            cache.Add(@"P:SummaryValueParametersClass.SummaryProperty", new XmlComment(@"Property with only summary documentation.", null, null, null, null, false, null, null, null));
+            cache.Add(@"P:SummaryValueParametersClass.ValueProperty", new XmlComment(@"Property with summary that should be overridden by value.", null, null, null, @"Value description that should take precedence over summary.", false, null, null, null));
+            cache.Add(@"P:SummaryValueParametersClass.ValueOnlyProperty", new XmlComment(null, null, null, null, @"Property with only value documentation.", false, null, null, null));
             cache.Add(@"M:RouteHandlerExtensionMethods.Get", new XmlComment(@"A summary of the action.", @"A description of the action.", null, @"Returns the greeting.", null, false, null, null, null));
             cache.Add(@"M:RouteHandlerExtensionMethods.Get2(System.String)", new XmlComment(null, null, null, null, null, false, null, [new XmlParameterComment(@"name", @"The name of the person.", null, false)], [new XmlResponseComment(@"200", @"Returns the greeting.", @"")]));
             cache.Add(@"M:RouteHandlerExtensionMethods.Get3(System.String)", new XmlComment(null, null, null, @"Returns the greeting.", null, false, null, [new XmlParameterComment(@"name", @"The name of the person.", @"Testy McTester", false)], null));
@@ -115,6 +118,7 @@ private static Dictionary<string, XmlComment> GenerateCacheEntries()
             cache.Add(@"M:RouteHandlerExtensionMethods.Post19(System.String,MixedParametersClass)", new XmlComment(@"Tests mixed regular and AsParameters with examples.", null, null, null, null, false, null, [new XmlParameterComment(@"regularParam", @"A regular parameter with documentation.", null, false), new XmlParameterComment(@"mixedParams", @"Mixed parameter class with various types.", null, false)], null));
             cache.Add(@"M:RouteHandlerExtensionMethods.Get20(BindingSourceParametersClass)", new XmlComment(@"Tests AsParameters with different binding sources.", null, null, null, null, false, null, [new XmlParameterComment(@"bindingParams", @"Parameters from different sources.", null, false)], null));
             cache.Add(@"M:RouteHandlerExtensionMethods.Get21(XmlDocPriorityParametersClass)", new XmlComment(@"Tests XML documentation priority order (value &gt; returns &gt; summary).", null, null, null, null, false, null, [new XmlParameterComment(@"priorityParams", @"Parameters demonstrating XML doc priority.", null, false)], null));
+            cache.Add(@"M:RouteHandlerExtensionMethods.Get22(SummaryValueParametersClass)", new XmlComment(@"Tests summary and value documentation priority on AsParameters properties.", null, null, null, null, false, null, [new XmlParameterComment(@"summaryValueParams", @"Parameters testing summary vs value priority.", null, false)], null));
 
             return cache;
         }
@@ -478,11 +482,20 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                     if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyDocId), out var propertyComment))
                     {
                         var parameter = operation.Parameters?.SingleOrDefault(p => p.Name == metadata.Name);
+                        var description = propertyComment.Summary;
+                        if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                        {
+                            description = $"{description}\n{propertyComment.Value}";
+                        }
+                        else if (string.IsNullOrEmpty(description))
+                        {
+                            description = propertyComment.Value;
+                        }
                         if (parameter is null)
                         {
                             if (operation.RequestBody is not null)
                             {
-                                operation.RequestBody.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                                operation.RequestBody.Description = description;
                                 if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                                 {
                                     var content = operation.RequestBody.Content?.Values;
@@ -502,7 +515,7 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                         var targetOperationParameter = UnwrapOpenApiParameter(parameter);
                         if (targetOperationParameter is not null)
                         {
-                            targetOperationParameter.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                            targetOperationParameter.Description = description;
                             if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                             {
                                 targetOperationParameter.Example = jsonString.Parse();
@@ -559,12 +572,21 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                 // Apply comments from the property
                 if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyInfo.CreateDocumentationId()), out var propertyComment))
                 {
+                    var description = propertyComment.Summary;
+                    if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                    {
+                        description = $"{description}\n{propertyComment.Value}";
+                    }
+                    else if (string.IsNullOrEmpty(description))
+                    {
+                        description = propertyComment.Value;
+                    }
                     if (schema.Metadata is null
                         || !schema.Metadata.TryGetValue("x-schema-id", out var schemaId)
                         || string.IsNullOrEmpty(schemaId as string))
                     {
                         // Inlined schema
-                        schema.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        schema.Description = description;
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Example = jsonString.Parse();
@@ -573,7 +595,10 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                     else
                     {
                         // Schema Reference
-                        schema.Metadata["x-ref-description"] = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        if (!string.IsNullOrEmpty(description))
+                        {
+                            schema.Metadata["x-ref-description"] = description;
+                        }
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Metadata["x-ref-example"] = jsonString.Parse()!;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/SchemaTests.SupportsXmlCommentsOnSchemas#OpenApiXmlCommentSupport.generated.verified.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/SchemaTests.SupportsXmlCommentsOnSchemas#OpenApiXmlCommentSupport.generated.verified.cs
index f97dae09882c..e192067879b7 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/SchemaTests.SupportsXmlCommentsOnSchemas#OpenApiXmlCommentSupport.generated.verified.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/SchemaTests.SupportsXmlCommentsOnSchemas#OpenApiXmlCommentSupport.generated.verified.cs
@@ -464,11 +464,20 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                     if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyDocId), out var propertyComment))
                     {
                         var parameter = operation.Parameters?.SingleOrDefault(p => p.Name == metadata.Name);
+                        var description = propertyComment.Summary;
+                        if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                        {
+                            description = $"{description}\n{propertyComment.Value}";
+                        }
+                        else if (string.IsNullOrEmpty(description))
+                        {
+                            description = propertyComment.Value;
+                        }
                         if (parameter is null)
                         {
                             if (operation.RequestBody is not null)
                             {
-                                operation.RequestBody.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                                operation.RequestBody.Description = description;
                                 if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                                 {
                                     var content = operation.RequestBody.Content?.Values;
@@ -488,7 +497,7 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                         var targetOperationParameter = UnwrapOpenApiParameter(parameter);
                         if (targetOperationParameter is not null)
                         {
-                            targetOperationParameter.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                            targetOperationParameter.Description = description;
                             if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                             {
                                 targetOperationParameter.Example = jsonString.Parse();
@@ -545,12 +554,21 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                 // Apply comments from the property
                 if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyInfo.CreateDocumentationId()), out var propertyComment))
                 {
+                    var description = propertyComment.Summary;
+                    if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                    {
+                        description = $"{description}\n{propertyComment.Value}";
+                    }
+                    else if (string.IsNullOrEmpty(description))
+                    {
+                        description = propertyComment.Value;
+                    }
                     if (schema.Metadata is null
                         || !schema.Metadata.TryGetValue("x-schema-id", out var schemaId)
                         || string.IsNullOrEmpty(schemaId as string))
                     {
                         // Inlined schema
-                        schema.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        schema.Description = description;
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Example = jsonString.Parse();
@@ -559,7 +577,10 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                     else
                     {
                         // Schema Reference
-                        schema.Metadata["x-ref-description"] = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        if (!string.IsNullOrEmpty(description))
+                        {
+                            schema.Metadata["x-ref-description"] = description;
+                        }
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Metadata["x-ref-example"] = jsonString.Parse()!;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/SchemaTests.XmlCommentsOnPropertiesShouldApplyToSchemaReferences#OpenApiXmlCommentSupport.generated.verified.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/SchemaTests.XmlCommentsOnPropertiesShouldApplyToSchemaReferences#OpenApiXmlCommentSupport.generated.verified.cs
index c60e8c189812..62eca1ce5fa6 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/SchemaTests.XmlCommentsOnPropertiesShouldApplyToSchemaReferences#OpenApiXmlCommentSupport.generated.verified.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/SchemaTests.XmlCommentsOnPropertiesShouldApplyToSchemaReferences#OpenApiXmlCommentSupport.generated.verified.cs
@@ -443,11 +443,20 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                     if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyDocId), out var propertyComment))
                     {
                         var parameter = operation.Parameters?.SingleOrDefault(p => p.Name == metadata.Name);
+                        var description = propertyComment.Summary;
+                        if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                        {
+                            description = $"{description}\n{propertyComment.Value}";
+                        }
+                        else if (string.IsNullOrEmpty(description))
+                        {
+                            description = propertyComment.Value;
+                        }
                         if (parameter is null)
                         {
                             if (operation.RequestBody is not null)
                             {
-                                operation.RequestBody.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                                operation.RequestBody.Description = description;
                                 if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                                 {
                                     var content = operation.RequestBody.Content?.Values;
@@ -467,7 +476,7 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                         var targetOperationParameter = UnwrapOpenApiParameter(parameter);
                         if (targetOperationParameter is not null)
                         {
-                            targetOperationParameter.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                            targetOperationParameter.Description = description;
                             if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                             {
                                 targetOperationParameter.Example = jsonString.Parse();
@@ -524,12 +533,21 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                 // Apply comments from the property
                 if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyInfo.CreateDocumentationId()), out var propertyComment))
                 {
+                    var description = propertyComment.Summary;
+                    if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                    {
+                        description = $"{description}\n{propertyComment.Value}";
+                    }
+                    else if (string.IsNullOrEmpty(description))
+                    {
+                        description = propertyComment.Value;
+                    }
                     if (schema.Metadata is null
                         || !schema.Metadata.TryGetValue("x-schema-id", out var schemaId)
                         || string.IsNullOrEmpty(schemaId as string))
                     {
                         // Inlined schema
-                        schema.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        schema.Description = description;
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Example = jsonString.Parse();
@@ -538,7 +556,10 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                     else
                     {
                         // Schema Reference
-                        schema.Metadata["x-ref-description"] = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        if (!string.IsNullOrEmpty(description))
+                        {
+                            schema.Metadata["x-ref-description"] = description;
+                        }
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Metadata["x-ref-example"] = jsonString.Parse()!;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/XmlCommentDocumentationIdTests.CanMergeXmlCommentsWithDifferentDocumentationIdFormats#OpenApiXmlCommentSupport.generated.verified.cs b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/XmlCommentDocumentationIdTests.CanMergeXmlCommentsWithDifferentDocumentationIdFormats#OpenApiXmlCommentSupport.generated.verified.cs
index 5e2aefb507a9..2bea3547fc7b 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/XmlCommentDocumentationIdTests.CanMergeXmlCommentsWithDifferentDocumentationIdFormats#OpenApiXmlCommentSupport.generated.verified.cs
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.SourceGenerators.Tests/snapshots/XmlCommentDocumentationIdTests.CanMergeXmlCommentsWithDifferentDocumentationIdFormats#OpenApiXmlCommentSupport.generated.verified.cs
@@ -435,11 +435,20 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                     if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyDocId), out var propertyComment))
                     {
                         var parameter = operation.Parameters?.SingleOrDefault(p => p.Name == metadata.Name);
+                        var description = propertyComment.Summary;
+                        if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                        {
+                            description = $"{description}\n{propertyComment.Value}";
+                        }
+                        else if (string.IsNullOrEmpty(description))
+                        {
+                            description = propertyComment.Value;
+                        }
                         if (parameter is null)
                         {
                             if (operation.RequestBody is not null)
                             {
-                                operation.RequestBody.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                                operation.RequestBody.Description = description;
                                 if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                                 {
                                     var content = operation.RequestBody.Content?.Values;
@@ -459,7 +468,7 @@ public Task TransformAsync(OpenApiOperation operation, OpenApiOperationTransform
                         var targetOperationParameter = UnwrapOpenApiParameter(parameter);
                         if (targetOperationParameter is not null)
                         {
-                            targetOperationParameter.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary;
+                            targetOperationParameter.Description = description;
                             if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                             {
                                 targetOperationParameter.Example = jsonString.Parse();
@@ -516,12 +525,21 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                 // Apply comments from the property
                 if (XmlCommentCache.Cache.TryGetValue(DocumentationCommentIdHelper.NormalizeDocId(propertyInfo.CreateDocumentationId()), out var propertyComment))
                 {
+                    var description = propertyComment.Summary;
+                    if (!string.IsNullOrEmpty(description) && !string.IsNullOrEmpty(propertyComment.Value))
+                    {
+                        description = $"{description}\n{propertyComment.Value}";
+                    }
+                    else if (string.IsNullOrEmpty(description))
+                    {
+                        description = propertyComment.Value;
+                    }
                     if (schema.Metadata is null
                         || !schema.Metadata.TryGetValue("x-schema-id", out var schemaId)
                         || string.IsNullOrEmpty(schemaId as string))
                     {
                         // Inlined schema
-                        schema.Description = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        schema.Description = description;
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Example = jsonString.Parse();
@@ -530,7 +548,10 @@ public Task TransformAsync(OpenApiSchema schema, OpenApiSchemaTransformerContext
                     else
                     {
                         // Schema Reference
-                        schema.Metadata["x-ref-description"] = propertyComment.Value ?? propertyComment.Returns ?? propertyComment.Summary!;
+                        if (!string.IsNullOrEmpty(description))
+                        {
+                            schema.Metadata["x-ref-description"] = description;
+                        }
                         if (propertyComment.Examples?.FirstOrDefault() is { } jsonString)
                         {
                             schema.Metadata["x-ref-example"] = jsonString.Parse()!;
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApi3_0/OpenApiDocumentIntegrationTests.VerifyOpenApiDocument_documentName=xml.verified.txt b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApi3_0/OpenApiDocumentIntegrationTests.VerifyOpenApiDocument_documentName=xml.verified.txt
index 9eed2206b116..d2b295c23ab6 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApi3_0/OpenApiDocumentIntegrationTests.VerifyOpenApiDocument_documentName=xml.verified.txt
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApi3_0/OpenApiDocumentIntegrationTests.VerifyOpenApiDocument_documentName=xml.verified.txt
@@ -341,7 +341,7 @@
           },
           "description": {
             "type": "string",
-            "description": "Another description of the todo."
+            "description": "A description of the the todo.\nAnother description of the todo."
           }
         }
       },
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApi3_1/OpenApiDocumentIntegrationTests.VerifyOpenApiDocument_documentName=xml.verified.txt b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApi3_1/OpenApiDocumentIntegrationTests.VerifyOpenApiDocument_documentName=xml.verified.txt
index 4a8829575928..7a4b01a03316 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApi3_1/OpenApiDocumentIntegrationTests.VerifyOpenApiDocument_documentName=xml.verified.txt
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApi3_1/OpenApiDocumentIntegrationTests.VerifyOpenApiDocument_documentName=xml.verified.txt
@@ -341,7 +341,7 @@
           },
           "description": {
             "type": "string",
-            "description": "Another description of the todo."
+            "description": "A description of the the todo.\nAnother description of the todo."
           }
         }
       },
diff --git a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApiDocumentLocalizationTests.VerifyOpenApiDocumentIsInvariant.verified.txt b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApiDocumentLocalizationTests.VerifyOpenApiDocumentIsInvariant.verified.txt
index 4094879f54a8..a5abfc5f0433 100644
--- a/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApiDocumentLocalizationTests.VerifyOpenApiDocumentIsInvariant.verified.txt
+++ b/src/OpenApi/test/Microsoft.AspNetCore.OpenApi.Tests/Integration/snapshots/OpenApiDocumentLocalizationTests.VerifyOpenApiDocumentIsInvariant.verified.txt
@@ -1845,7 +1845,7 @@
           },
           "description": {
             "type": "string",
-            "description": "Another description of the todo."
+            "description": "A description of the the todo.\nAnother description of the todo."
           }
         }
       },