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Relocating to Texas is exciting, but it’s also full of surprises—especially for buyers coming from out of state. While Texas offers affordable housing, strong job growth, and no state income tax, the real estate process and homeownership experience can feel very different depending on where you’re coming from.
If you’re considering a move to Texas or helping someone relocate here, these are some of the most common things buyers are surprised to learn.
1. Property Taxes Are Higher — But There’s a Trade-Off
One of the biggest surprises for relocating buyers is Texas property taxes. While there’s no state income tax, Texas funds many public services through property taxes instead.
The good news:
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Home prices are often lower than in many coastal states
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Texas offers homestead exemptions that can significantly reduce your taxable value if the home is your primary residence
Understanding how property taxes work—and applying for exemptions on time—can make a big difference in your monthly payment.
2. The Option Period Is Unique to Texas
Texas contracts include something called an Option Period, which many out-of-state buyers have never encountered before.
This is a negotiated period of time (usually 5–10 days) where buyers can:
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Have inspections completed
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Terminate the contract for any reason
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Only lose the option fee (not earnest money)
This gives buyers flexibility, but it also means decisions often need to be made quickly. Working with a Texas-based agent is critical to navigating this timeline properly.
3. HOAs Are Common — Even Outside the City
Buyers relocating to Texas are often surprised by how common Homeowners Associations (HOAs) are, even in suburban or semi-rural areas.
HOAs may:
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Regulate exterior appearance
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Restrict rentals or short-term leasing
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Control fencing, parking, or landscaping
Before purchasing, it’s important to review HOA rules carefully to be sure they align with your lifestyle and long-term plans.
4. Home Styles and Construction May Feel Different
Texas homes often look and feel different from homes in other parts of the country. Buyers frequently notice:
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More slab foundations instead of basements
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Brick or stone exteriors
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Larger lots in suburban areas
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Fewer older homes compared to the Northeast or Midwest
Understanding typical Texas construction helps buyers know what to expect during inspections and maintenance planning.
5. The Market Moves Faster Than Expected
Even when the market slows nationally, many Texas areas remain competitive due to population growth and demand.
Relocating buyers are often surprised by:
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Multiple-offer situations
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Shorter decision timelines
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Sellers expecting clean, well-structured offers
Preparation—such as loan pre-approval and clear priorities—can make the difference between winning and losing a home.
6. Weather Impacts Homeownership
Texas weather plays a role in real estate decisions more than many buyers expect.
Important considerations include:
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Roofing and insurance coverage
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Foundation care due to soil movement
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Landscaping that can handle heat and drought
A knowledgeable local agent can help buyers evaluate homes with these factors in mind.
Final Thoughts
Relocating to Texas can be an excellent move, but it’s important to understand how the real estate process, homeownership costs, and lifestyle may differ from what you’re used to. The more informed you are upfront, the smoother your transition will be.
Whether you’re relocating from another state or helping a family member do so, having the right guidance makes all the difference.
Thinking About Moving to Texas?
If you’re considering buying, selling, or relocating within Texas, we would love to help you navigate the process with confidence.
Angie Culberson and Jimmy Culberson
Culberson Group
REALTOR® | Century 21 Judge Fite Company
📞 214-949-0688 or 214-949-0680
📧 angieculberson@judgefite.com or jimmyculberson@judgefite.com
🌐 culbersongroup.com
