Why Now Might Be the Best Time to Buy in Texas Even If Rates Are Still High

If you're an out-of-state buyer thinking about making the move to Texas, you're probably watching the headlines and wondering if now is the right time to pull the trigger. I get it, interest rates are still higher than they were a few years ago, and there’s a lot of noise out there about waiting for the “perfect” time.

But here’s the truth: in today’s Texas market, buyers are finally getting some of their power back. And depending on where you're looking, this might just be your moment.

Let’s break it all down.

Why Timing the Market Is a Myth (And Why Right Now Might Be Your Window)

One of the biggest traps I see buyers fall into, especially those relocating from out of state is trying to time the market perfectly. I totally understand the instinct. You want to get the best deal, the lowest rate, and avoid overpaying. But real estate doesn’t work like the stock market.

Instead of trying to time the bottom, the better question is: what kind of market are we in right now, and does it work in your favor?

At the moment, buyers have far more leverage than they did during the red-hot frenzy of 2020–2022. Homes are sitting a little longer, sellers are more flexible, and best of all? You’re not competing with 15 other offers anymore.

The Power Has Shifted: Why Buyers Are in a Better Position Now

For a while, it felt like every home in Texas had a bidding war attached to it. But things have calmed down significantly and that's good news if you're thinking about relocating.

Here’s why:

• Less Competition: With many buyers sitting on the sidelines, you're no longer up against dozens of offers. You can actually take your time, think things through, and negotiate without the pressure cooker.

• Negotiation Power: Sellers know the market has shifted. We’re seeing price reductions, flexible closing dates, and in many cases, seller-paid concessions like closing costs, rate buydowns, and even repair credits.

• More Inventory: There’s a wider selection of homes on the market, especially in suburban and rural areas. That means more choice for you and less chance of overpaying just to "win" a house.

And here’s the kicker: even if interest rates are still higher, you can negotiate to offset that, especially in markets where sellers are motivated.

Local Hot Spots Where Deals Are Popping Up

I’m based in Texas and keep a close eye on the shifts happening across the state. If you’re relocating, here are a few areas that are offering solid opportunities for buyers right now:

Greater Houston Suburbs (like Katy and Cypress)

These areas have seen a noticeable cooling from their peak highs. Builders are offering major incentives, and resale homes are lingering longer, giving buyers a chance to negotiate upgrades or price reductions.

San Antonio's Outer Loop Communities

Places like Helotes, Alamo Ranch, and Schertz are seeing steady inventory growth. Sellers are more open to making deals, and military relocations keep things moving without the chaos of multiple-offer madness.

North Dallas Suburbs (Frisco, McKinney, Prosper)

While these areas remain popular, price increases have slowed and new builds are offering great packages. Some builders are even buying down your rate to 4.99% to keep momentum going.

Coastal Communities (like Rockport, Corpus Christi, and parts of Galveston)

Second-home markets and vacation zones have cooled significantly since 2022. That means better entry points for buyers looking for long-term rentals, retirement properties, or just a slice of the coast.

Of course, each area has its own unique patterns but the trend is clear: buyers who act now have options and negotiating power in ways we haven’t seen in years.

Don’t Let Rates Freeze You. You Can Always Refinance Later.

Yes, rates are still higher than what we all got used to during the 3% era. But that doesn’t mean it’s a bad time to buy, especially if you’re getting a home at a better price, with fewer strings attached.

There’s a saying in real estate that really matters right now:“Marry the house, date the rate.”

You can always refinance later when rates go down. But the home you love, the one in the neighborhood you want, with the layout that fits your life that might not be available when you're finally “ready.” And if prices go back up when rates drop (which is very likely), you’ll be back in the competition pool.

Buying now, when things are calmer and more negotiable, puts you in the driver’s seat.

Let’s Make Your Move to Texas Stress-Free and Strategic

If you’ve been dreaming about making Texas your home, this might be the window you’ve been waiting for even if it doesn’t look perfect on paper.

The reality is, no market is ever perfect. But in this one, you can breathe, explore, ask questions, and negotiate from a position of strength.

If you want to talk more about your relocation goals and figure out which areas might be a good fit for your lifestyle and budget, I’d love to help!

Post written by Michael Stephens from Living Local Texas.