10 Things I Wish I Knew Before Moving to Texas (From Real Locals)

Texas has become one of the most popular relocation destinations in the country and it’s easy to see why. No state income tax, job growth, friendly communities, and a lower cost of living are all major draws. But as many newcomers quickly discover, there are things you won’t fully understand until you get here.

If you’re planning a move to Texas in 2025, here are ten things you’ll want to know before you start packing. These insights will help you plan better, budget smarter, and settle in with fewer surprises.

1. The Heat Isn’t Just Hot. It’s Extreme.

Summers in Texas aren’t for the faint of heart. Depending on where you settle, expect temperatures above 100°F for extended stretches. Central and South Texas cities like Austin and San Antonio can feel humid, while North Texas areas like Dallas–Fort Worth are known for scorching dry heat.

Invest in a strong air conditioning system, insulated windows, and energy-efficient features to manage cooling costs. If you’re buying, always have your HVAC unit inspected during your home inspection, replacing it can be costly.

Summary: Expect long, hot summers and higher energy bills from May through September.

2. Property Taxes Can Offset the Lack of State Income Tax

One of the biggest reasons people move to Texas is the lack of state income tax but that savings often shifts into higher property taxes. Rates vary by county but typically range from 1.5% to 2.5% of your home’s assessed value each year. That means a $400,000 home could carry an annual tax bill of around $6,000 to $10,000.

Property taxes fund schools, infrastructure, and local services, so they can differ significantly even between neighboring communities. Before buying, check whether the home is within a Municipal Utility District (MUD) or Public Improvement District (PID). Both can come with additional fees.

Summary: Texas has no income tax, but property taxes and district fees can significantly impact your housing budget.

3. HOA Rules and Fees Are a Way of Life in Many Areas

Many Texas neighborhoods, especially newer developments, are managed by Homeowners Associations (HOAs). These organizations maintain curb appeal and enforce community standards, but they also come with monthly or annual dues and rules that vary widely.

Some communities have flexible guidelines, while others regulate everything from fence color to where you park your vehicle. Before you buy, always review the HOA’s Covenants, Conditions, and Restrictions (CC&Rs) to ensure you’re comfortable with the requirements.

Summary: HOAs can improve community upkeep but often add recurring costs and restrictions.

4. Commute Times Are Longer Than You Think

Texas is big, and so are the commutes. Even if you live just 15 miles from work, that can easily turn into 40 minutes during rush hour. Major metros like Austin, Dallas, and Houston have notorious traffic bottlenecks, especially during peak hours.

When you’re deciding where to live, test-drive your route at different times of day and research toll roads. Some neighborhoods are affordable but offset that savings with long commutes.

Summary: Don’t rely on distance alone. Traffic and tolls can make short drives much longer and more expensive.

5. School District Boundaries Don’t Always Match City Lines

In Texas, school district boundaries don’t always follow city limits and that can lead to confusion. You might buy a home in one city and discover your children attend school in a completely different district.

Because schools can significantly affect home values and taxes, always verify which district a home belongs to before purchasing. Most county appraisal or ISD (Independent School District) websites offer search tools to confirm zoning by address.

Summary: Always check school zones even if you don’t have kids, they influence resale value.

6. Texas Culture Is Warm, But It’s Also Unique

Texans are famously friendly, but the culture might take some adjustment. People value community, small talk, and local pride and “y’all” truly is part of daily conversation. You’ll also notice that college football, barbecue, and local festivals play a big role in social life.

For newcomers, the key is to embrace it. Join neighborhood groups, attend local events, and explore small businesses. You’ll settle in faster and start to feel part of the community sooner than you think.

Summary: Texas has a welcoming culture, but being open and involved will help you integrate faster.

7. Growth and Construction Is Everywhere

Texas continues to grow at a rapid pace. With new businesses, housing developments, and infrastructure projects popping up across the state, it’s common to see construction zones in nearly every metro area.

While this growth fuels the economy and improves accessibility, it can also bring traffic congestion and noise in developing neighborhoods. If you’re looking at a newly built home, research nearby vacant land to see what’s planned, future development could change your community’s character or increase local traffic.

Summary: Expect rapid growth and ongoing construction, check for nearby development plans before buying.

8. Home Maintenance Can Be Different Than You’re Used To

Texas weather, from scorching summers to sudden hailstorms, means homeowners must be proactive about maintenance. Roof inspections, HVAC tune-ups, and pest control are routine here. Foundation issues are also more common in certain soil types, especially in areas like Dallas and Central Texas.

Plan to set aside 1% of your home’s value annually for upkeep. Regular maintenance protects your investment and keeps insurance costs down.

Summary: Budget for regular home maintenance. Texas weather can be tough on properties.

9. Timing the Market Makes a Big Difference

Housing markets in Texas can fluctuate quickly depending on interest rates, new construction, and migration trends. Buying during the right season, often late fall or winter, can save thousands in negotiations and moving costs. The main downside to trying to buy in the lower priced times of the year is that there may not be as much inventory.

Homeowners who know they are going to sell typically try to sell when they know there will be the most buyers which in turn, drives prices higher. The price swings are not dramatic and don’t make much of a difference over a 30 year mortgage so sometimes waiting to save a few thousand dollars, but having fewer homes to look at isn’t beneficial. Each situation is different but this should be something to consider if you are flexible on timing. 

Staying informed on market trends helps you buy smarter. Partner with a realtor who tracks local pricing data and can help you spot neighborhoods poised for appreciation rather than over-saturation.

Summary: Real estate prices and moving costs shift seasonally. Timing your move strategically can make a difference.

10. Local Expertise Will Save You Time and Money

The best decision you can make before relocating to Texas is to work with someone who knows the area. A local realtor can help you compare neighborhoods, evaluate property taxes, understand HOA rules, and estimate your real cost of living before you move.

By planning ahead, you can avoid common pitfalls and find a community that fits your lifestyle, budget, and long-term goals.

Summary: Partner with a local relocation expert who can help you make informed, confident decisions.

👉 Connect with a Texas relocation specialist today to start your move on the right track.

Texas is a state full of opportunity, but moving here comes with its own learning curve. Whether you’re headed for the Hill Country, the Dallas suburbs, or the coastal plains, knowing what to expect will help you settle in faster and with fewer surprises.

If you’re planning your move, I can help you map out costs, neighborhoods, schools, and lifestyle comparisons so you can make confident decisions from day one.

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Contact me today!