Relocating from California to Texas can be rewarding!

 Relocating from California to Texas can be rewarding, but it comes with clear contrasts in lifestyle, costs, and expectations. Here’s the breakdown:

1. Housing Costs and Property Taxes

• Home prices in most Texas markets are 30–50% lower than comparable areas in California.

• However, property taxes are significantly higher—often ranging from 2% to 3.5% of the assessed value versus California’s average of 0.73%.

• Unlike California, Texas has no state income tax, which offsets some of the higher property tax burden.

2. Utilities and Insurance

• Expect higher utility bills in Texas due to hotter summers and independent electric grids.

• Home insurance costs more because of severe weather risks like hail, flooding, and hurricanes in certain regions.

3. Real Estate Process Differences

• Texas uses title companies instead of escrow firms for closings.

• Disclosures are less extensive; buyers rely heavily on inspections.

• Agents must follow TREC (Texas Real Estate Commission) rules, which differ from California’s DRE standards.

• You’ll need to learn about homestead exemptions, MUD taxes, and HOA regulations, which are far more common in newer Texas developments.

4. Lifestyle Adjustments

• Commutes are easier in most metro areas but public transportation is limited.

• The culture emphasizes community, lower cost of living, and business-friendly growth.

• Outdoor activities shift from beaches and mountains to lakes, rivers, and wide-open countryside.

• Weather is a major change—expect humidity, thunderstorms, and longer summers.

5. Market Expectations

According to recent data:

• The median U.S. home price hovers around $440K–$449K.

• Texas markets remain competitive but more affordable than California metros.

• Inventory is growing, giving buyers more options and price leverage.

• Mortgage rates average 6.8%, affecting affordability nationwide.

6. Mindset Shift

Moving from a high-cost, regulation-heavy state to a low-tax, independent market requires flexibility.

• Californians often overestimate their buying power without factoring in property tax differences.

• Texans tend to prioritize land, space, and new construction over coastal proximity or vintage charm.

“Ready for your next Reality Check? 🌵 Come back for more real talk on moving, designing, and living your best California-to-Texas life.”

🌸Real Estate Boss Lady

"Future Texas Real Estate Pro"

(CA) Licensed #02002781