Relocating to Texas: Your Complete Buyer's Guide

● One of only nine states with no personal income tax
● Keep more of your paycheck
● Significant savings for high earners

● Lower housing costs compared to California, New York, and other high-cost states
● More square footage for your money
● Lower overall expenses (utilities, groceries, services)

● Major corporate headquarters and Fortune 500 companies
● Thriving tech scene (Austin's "Silicon Hills")
● Energy sector opportunities (Houston)
● Healthcare and biotech hubs (Dallas, Houston, San Antonio)
● Growing financial services sector

● Pro-business policies and regulations
● Strong entrepreneurial ecosystem
● Lower barriers to starting and running businesses

● Diverse landscapes (beaches, hills, plains, deserts)
● Warm weather year-round
● No state income tax means more disposable income
● Friendly, welcoming culture
● Excellent food scene (BBQ, Tex-Mex, and everything in between)

● Larger homes and lots compared to other major metros
● Private property rights strongly protected
● Room to spread out

● Population: 7.6+ million (4th largest metro in US)
● Best For: Corporate jobs, families, suburban living, diverse neighborhoods
● Economy: Finance, telecommunications, technology, healthcare, transportation
● Major Employers: AT&T, American Airlines, Southwest Airlines, Texas Instruments
● Vibe: Business hub, diverse, sprawling suburbs, excellent schools
● Average Home Price: $350,000 - $450,000 (varies by suburb)
● Notable Suburbs: Plano, Frisco, McKinney, Allen, Prosper, Southlake, Keller, Flower Mound

● Population: 2.3+ million metro
● Best For: Tech workers, young professionals, music lovers, outdoor enthusiasts
● Economy: Technology, government, education, creative industries
● Major Employers: Tesla, Apple, Google, Dell, Oracle, Indeed
● Vibe: Keep Austin Weird - quirky, creative, live music capital, foodie scene
● Average Home Price: $450,000 - $550,000+
● Notable Suburbs: Round Rock, Cedar Park, Pflugerville, Georgetown, Leander

● Population: 7.1+ million (5th largest metro in US)
● Best For: Energy sector workers, medical professionals, diversity, international culture
● Economy: Energy, healthcare, aerospace, international trade
● Major Employers: ExxonMobil, Shell, Texas Medical Center (world's largest)
● Vibe: International, humid, no zoning laws, incredible food diversity
● Average Home Price: $300,000 - $400,000
● Notable Suburbs: The Woodlands, Katy, Sugar Land, Pearland, Cypress

● Population: 2.6+ million metro
● Best For: Military families, affordability, history lovers, cultural experiences
● Economy: Military, healthcare, tourism, cybersecurity
● Major Employers: USAA, Valero Energy, military bases (Fort Sam Houston, Lackland AFB)
● Vibe: Historic, cultural, River Walk, affordable, family-friendly
● Average Home Price: $280,000 - $350,000
● Notable Suburbs: Stone Oak, Alamo Heights, Boerne, New Braunfels

● El Paso: Border city, affordable, mountain views
● Corpus Christi: Beach living, coastal lifestyle
● Lubbock: College town, affordable, West Texas
● Amarillo: Panhandle living, very affordable
● Midland/Odessa: Oil & gas hub, high wages

● Texas has NO state income tax, but HIGHER property taxes to compensate
● Average effective property tax rate: 1.6% - 2.3% (varies by county)
● Example: $400,000 home = $6,400 - $9,200/year in property taxes
● Homestead Exemption: Reduces taxable value if it's your primary residence
● Over-65 Exemption: Additional tax breaks for seniors
● Factor this into your monthly budget—it's significant!

● Common in newer developments
● Separate tax for water, sewer, drainage infrastructure
● Can add $500-$2,000+ annually to your costs
● Ask about MUD taxes before buying!

● Many neighborhoods have HOA fees ($50-$500+ monthly)
● Newer communities often have amenities (pools, parks, clubhouses)
● Review HOA rules carefully—Texas HOAs have significant power

● Texas property can include mineral rights (oil, gas)
● Previous owners may have sold/retained mineral rights
● Doesn't usually affect homeownership but good to know

● Hard soil and high water tables = few basements
● Homes are typically on concrete slabs or pier-and-beam
● Look for good attic storage instead

● Attorneys aren't typically required (unlike Northeast states)
● Title companies manage escrow and closing process
● More streamlined, less expensive than attorney closings

● Sellers must provide written disclosure of property condition
● More extensive than many states
● Review carefully before making an offer

● Texas-specific negotiation tool
● Buyer pays "option fee" ($100-$500) for unrestricted right to terminate
● Typically 7-10 days to conduct inspections and back out if needed
● Different from inspection contingency

1. Work with a local expert who understands relocation
2. Must be responsive via video calls, texts, and email
3. Should provide virtual tours and detailed videos
4. Familiar with your target neighborhoods
5. Experienced with out-of-state buyers

● Request live video tours via FaceTime/Zoom
● Ask realtor to walk through slowly, open cabinets, test faucets
● Have them show you the neighborhood, nearby amenities
● Request additional photos/videos of specific areas
● Use Google Street View to explore neighborhoods

● First Trip: Explore cities/neighborhoods, narrow down areas (2-3 days)
● Second Trip: Intensive house hunting, see 8-12 homes (2-3 days)
● Closing Trip: Final walkthrough and closing (1-2 days)
● Some buyers do it all in one trip—possible but exhausting!

● Work with lenders familiar with out-of-state buyers
● May require additional documentation
● Important to establish Texas banking relationships early

● Not all realtors are buyer specialists
● Ensure they represent YOUR interests, not the seller's
● Should be willing to be your "boots on the ground"

● Many closings can be done remotely via mobile notary
● Digital signing available in many cases
● Some lenders require in-person closing
● Plan accordingly

1. How many out-of-state buyers have you worked with?
2. What percentage of your clients are relocating to Texas?
3. Can you provide references from recent relocation clients?

1. Can you provide live virtual tours via video call?
2. How quickly can you schedule and conduct video walkthroughs?
3. Will you send detailed videos and photos of properties I'm interested in?
4. Can you visit properties on my behalf before I travel?

1. How long have you lived/worked in this area?
2. What are the best family-friendly neighborhoods?
3. Which areas have the best school districts?
4. Where are people relocating from [my state] typically choosing to live?

1. How does the buying process differ from [my current state]?
2. Can you explain Texas-specific terms (option period, MUD districts, etc.)?
3. Do you have recommendations for lenders who work with out-of-state buyers?
4. What's the typical timeline from offer to closing in this market?

1. What are your communication preferences and response times?
2. Will you be available during my time zone hours?
3. How will we handle the time difference (if applicable)?
4. Will you keep me updated on new listings that match my criteria?

1. Do you regularly work with buyers relocating to Texas?
2. What additional documentation do you need from out-of-state buyers?
3. Are there any challenges financing from out of state?

1. How are property taxes calculated in this area?
2. What are typical MUD tax amounts in the neighborhoods I'm considering?
3. How much should I budget for homeowners insurance? (Note: Texas insurance can be higher due to weather)
4. Are there any Texas-specific fees I should know about?

1. How do you verify employment if I'm transferring with my current company?
2. What if I'm starting a new job in Texas?
3. Do I need an employment letter from my Texas employer?
4. How does job relocation affect my loan approval?

1. What's your typical timeline from application to closing?
2. Can you accommodate a quick close if needed?
3. What happens if my closing date changes due to travel?

● Typically 2-5% of purchase price
● Title insurance (Texas has regulated rates)
● Lender fees
● Prepaid property taxes and insurance
● Home inspection ($400-$600)
● Survey (sometimes required): $400-$600

● Cross-country move: $3,000-$8,000+
● Temporary housing if needed
● Storage costs
● Travel expenses for house hunting trips

● Window treatments (Texas sun is intense!)
● Lawn equipment (larger yards)
● AC maintenance (essential in Texas)

● Expect 95-105°F+ from June-September
● High humidity in Houston/Gulf Coast
● Dry heat in West Texas
● AC runs constantly—electric bills spike in summer
● Look for energy-efficient homes with good insulation

● Tornadoes: North Texas, spring season
● Hurricanes: Gulf Coast (Houston, Corpus Christi)
● Hail: North Texas—can damage roofs and cars
● Flash Floods: Hill Country, San Antonio, Austin
● Check flood zones before buying!
● Ensure proper insurance coverage

● Generally mild (40-60°F)
● Occasional freezes
● Snow is rare (except Panhandle)
● Ice storms can happen—Texas infrastructure isn't built for it
● Winter Storm Uri (2021) was an anomaly but good to remember

● Most homes have covered patios
● Outdoor kitchens are common
● Pools are popular (and add significant value)

1. What are the school district ratings? (Check GreatSchools.org)
2. Are there nearby parks and family activities?
3. What's the demographic makeup?
4. Is it a young families area or more established?

1. What's the commute time to my work during rush hour?
2. Is there easy highway access?
3. How far to grocery stores, shopping, dining?
4. Is there good walkability, or is a car essential?
5. What's nearby for weekend activities?

1. What amenities are included in HOA fees?
2. Are there neighborhood events and activities?
3. Is there a community pool, gym, or clubhouse?
4. What's the general vibe—family-friendly, young professionals, retirees?

1. Is the area still being developed?
2. What new construction is planned nearby?
3. Are property values appreciating?
4. Is the area growing rapidly or established?

1. What are typical property taxes in this neighborhood?
2. Are there MUD taxes?
3. What's the average HOA fee?
4. How are the roads maintained?
5. What's the crime rate? (Check local police department stats)

● Clay soil causes foundation movement
● Look for cracks, uneven floors, sticking doors
● Foundation repairs can be $5,000-$20,000+
● Get a structural engineer if needed

● Hail damage is common in North Texas
● Check shingle condition and age
● Most roofs last 20-25 years in Texas
● Insurance may not cover older roofs

● AC works HARD in Texas—check age and condition
● Should be serviced regularly
● Replacement cost: $5,000-$10,000+
● Energy efficiency matters for electric bills

● Check for leaks, water pressure
● Older homes may have polybutylene pipes (problematic)
● Slab leaks are expensive to repair

● Ensure adequate amp service (200 amp is standard)
● Check for aluminum wiring (older homes)
● GFCI outlets in wet areas (code requirement)

● Critical to prevent flooding
● Yard should slope away from house
● Check gutters and downspouts

● Termites are common in Texas
● WDI (Wood Destroying Insect) inspection often required by lenders
● Treatment and repairs if needed

● Inspection by pool specialist
● Equipment age and condition
● Leaks or structural issues

● Is it a buyer's or seller's market?
● How long are homes sitting?
● Are properties going over asking price?

● Offer 7-10 day option period
● Option fee: $100-$500
● Shows you're serious but gives you an out

● Typically 1-2% of purchase price
● Shows commitment to seller
● Refundable during option period
● Goes toward down payment at closing

● Inspection contingency (standard)
● Financing contingency (protects you)
● Appraisal contingency (ensures home value)
● Consider minimizing in competitive markets

● Standard: 30-45 days
● Cash buyers can close faster (10-14 days)
● Quick close can be attractive to sellers

● Some sellers appreciate personal connection
● Share why you love the home
● Mention relocation story
● Not always appropriate—ask your realtor

● ☐ Finalize home purchase
● ☐ Schedule movers or rent moving truck
● ☐ Research temporary housing if needed
● ☐ Change address with USPS
● ☐ Transfer/set up utilities in Texas

● ☐ Open bank accounts in Texas (if desired)
● ☐ Research auto insurance (Texas rates differ)
● ☐ Update homeowners/renters insurance
● ☐ Budget for moving expenses

● ☐ Research Texas driver's license requirements (must get within 90 days)
● ☐ Understand vehicle registration process
● ☐ Research Texas voter registration
● ☐ Update address with employers, IRS, etc.

● ☐ Schedule utility connections (electric, gas, water, internet)
● ☐ Plan first-week essentials (where to shop, eat, etc.)
● ☐ Research nearby services (doctors, dentists, vets)
● ☐ Join local community groups (Facebook, Nextdoor)

● ☐ Confirm moving company and dates
● ☐ Start packing non-essentials
● ☐ Label boxes by room
● ☐ Arrange for kids/pets on moving day

● ☐ Notify current employer of relocation date
● ☐ Connect with Texas office/new employer
● ☐ Update LinkedIn with new location
● ☐ Join local professional networking groups

● ☐ Do final walkthrough of new home
● ☐ Attend closing and get keys!
● ☐ Change locks for security
● ☐ Locate main water shut-off and breaker box
● ☐ Test smoke detectors and CO detectors
● ☐ Set up internet and utilities
● ☐ Find nearest grocery store, gas station, hospital
● ☐ Introduce yourself to neighbors
● ☐ Explore your new neighborhood

● ☐ Get Texas driver's license
● ☐ Register vehicle in Texas
● ☐ Update vehicle insurance
● ☐ Register to vote
● ☐ Find new doctors/dentists
● ☐ Enroll kids in school
● ☐ Apply for homestead exemption (reduces property taxes!)
● ☐ Join local clubs, gyms, or organizations

● BBQ is serious business (brisket is king)
● Tex-Mex ≠ authentic Mexican food (both are delicious)
● Breakfast tacos are a way of life
● Whataburger vs. In-N-Out debates are real
● Sweet tea is very sweet
● Kolaches are a Texas treasure

● "Y'all" is singular and plural
● "Fixin' to" = about to do something
● "Bless your heart" can be sweet or shady
● "Come back now, ya hear?" is genuine
● "That dog won't hunt" = that won't work
● "All hat, no cattle" = all talk, no action

● High school football is a religion
● People are generally friendly and talkative
● Wave to neighbors (it's expected)
● Texans are proud of Texas
● Don't mess with Texas (it's an anti-littering slogan)
● Everything really is bigger in Texas

● Highways are FAST (speed limits 70-85 mph)
● Toll roads are common (get a TxTag)
● "Frontage roads" run alongside highways
● U-turns at intersections are normal
● Left lane is for passing
● Turn signals are... optional for some (use yours anyway!)

● Invest in good AC and fans
● Keep water in your car
● Have a severe weather plan
● Know your tornado safe space
● Winter coats are rarely needed (but keep one)

● Texas Department of Motor Vehicles: www.txdmv.gov
● Texas Comptroller (taxes): www.comptroller.texas.gov
● County Tax Assessor: [Your specific county]
● Texas Secretary of State (voter registration): www.sos.texas.gov

● Texas Electric Choice: www.powertochoose.org (compare electric rates)
● Local water/gas utilities (varies by city)

● Nextdoor: Connect with neighbors
● Local Facebook community groups
● City-specific subreddits (r/Dallas, r/Austin, r/Houston, etc.)
● Meetup.com for interest-based groups

● Texas Education Agency: tea.texas.gov
● GreatSchools.org: School ratings and reviews
● Local school district websites

● Texas Real Estate Commission: www.trec.texas.gov
● Property tax info: County appraisal district websites
● Texas Association of Realtors: www.texasrealestate.com

● ☐ Research Texas cities and neighborhoods
● ☐ Contact realtors in target areas
● ☐ Get pre-approved for mortgage
● ☐ Plan house-hunting trip(s)
● ☐ Research schools (if applicable)
● ☐ Start decluttering and downsizing

● ☐ Make offer on Texas home
● ☐ Schedule home inspection
● ☐ Finalize mortgage
● ☐ Give notice at current job/apartment/house
● ☐ Get moving quotes
● ☐ Start packing non-essentials

● ☐ Finalize moving company
● ☐ Set up utilities in Texas
● ☐ Change mailing address
● ☐ Transfer medical records
● ☐ Research Texas auto insurance
● ☐ Plan travel logistics

● ☐ Final walkthrough of new home
● ☐ Attend closing
● ☐ Coordinate move-in
● ☐ First night essentials ready
● ☐ Update emergency contacts

● ☐ Explore your city
● ☐ Get Texas driver's license
● ☐ Register vehicle
● ☐ Apply for homestead exemption
● ☐ Find new service providers
● ☐ Join community groups
● ☐ Enjoy your new Texas home!