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Relocate Smart. Live Better.
Select Your Origin State to Start Your Relocation
We know that packing up your life and moving across the country is a massive decision. But you aren't doing it alone. Thousands of families from California, New York, Florida, and beyond are choosing Texas to reclaim their financial freedom, find more space to breathe, and build a better future. Select your state below to see exactly how much you could save, and let us help you map out the perfect financial path to your new Texas home.
Warm Weather
Enjoy more sunshine and fewer harsh winters.
No State Tax
Keep more of your hard-earned income.
More Space
Get more home and value for your money.
Lower Costs
Spend less on housing and daily expenses.
Top 6 States Sending New Residents to Texas
You're in good company. Based on recent migration data, families from these six states are leading the charge to Texas. Click on your home state below to explore the data, see where your neighbors are moving, and discover what your life could look like.
Source: U.S. Census Bureau migration patterns & state relocation reports
TOP #1
California
Escape California taxes & high costs
Up to 13.3% State TaxTexas: $0
California has one of the highest costs of living and state income tax rates in the nation. Many residents are choosing to relocate to Texas for significantly lower housing costs, no state income tax, and a higher quality of life for less money.
Top Texas Cities for California Transplants
HoustonAustinDallasSan Antonio+2 more
View California to Texas Guide
TOP #2
Florida
Similar tax benefits, more affordability
No State Income TaxTexas: $0
While Florida shares Texas's no-income-tax advantage, rising home prices and insurance costs in Florida are driving many residents to explore Texas as a more affordable alternative with even larger homes and lower overall living costs.
Top Texas Cities for Florida Transplants
HoustonAustinDallasSan Antonio+2 more
View Florida to Texas Guide
TOP #3
New York
Leave Tri-State taxes behind
Up to 10.9% State TaxTexas: $0
New York residents—especially from the Tri-State area (NY, NJ, CT)—face some of the highest combined tax burdens in the country. Texas offers no state income tax, drastically lower housing costs, and more space, making it a top destination for NY transplants.
Top Texas Cities for New York Transplants
HoustonDallasAustinFrisco+2 more
View New York to Texas Guide
TOP #4
Louisiana
Nearby neighbor with big Texas benefits
Up to 4.25% State TaxTexas: $0
As Texas's neighbor, Louisiana residents have long had ties to the Lone Star State. With Texas offering stronger job growth, no state income tax, and lower overall living costs, many Louisiana families and professionals are making the short move west for better financial footing.
Top Texas Cities for Louisiana Transplants
HoustonBeaumontPort ArthurSan Antonio+2 more
View Louisiana to Texas Guide
TOP #5
Illinois
Leave high property taxes for Texas savings
Flat 4.95% State TaxTexas: $0
Illinois residents face some of the highest property taxes in the nation alongside a flat state income tax and persistent state financial challenges. Texas offers relief on multiple fronts — no state income tax, lower property taxes in many areas, and a booming job market that welcomes professionals from all industries.
Top Texas Cities for Illinois Transplants
HoustonDallasAustinFort Worth+2 more
View Illinois to Texas Guide
TOP #6
Colorado
Trade mountain prices for Texas value
Flat 4.4% State TaxTexas: $0
Colorado's home prices have surged in recent years, especially along the Front Range. With rising costs in Denver and surrounding areas, many Colorado residents are looking to Texas for more home for their money, no state income tax, and a strong job market — while still enjoying warm weather and outdoor lifestyle options.
Top Texas Cities for Colorado Transplants
HoustonAustinDallasSan Antonio+2 more
View Colorado to Texas Guide
The Texas Mortgage Pre-Approval Process
Relocating is stressful enough without worrying if your out-of-state pre-approval will hold up when you finally find "the one". Texas has unique property laws, like the Homestead Exemption, that can actually work in your favor—if you know how to navigate them. Getting pre-approved with a local, Texas-based expert gives you the confidence to house-hunt knowing your financing is bulletproof.
- Avoid heartbreaking delays. Work with a Texas-licensed loan originator (NMLS# 216981) who understands local taxes and insurance nuances so you can close on time.
- Maximize your buying power. We factor in Texas's lack of state income tax so you can stretch your budget further and afford the home your family deserves.
Be Ready to Buy
Sellers in Texas's competitive markets prefer buyers with local, verified pre-approvals over out-of-state pre-qualifications.
Why Houston Stands Out
Houston isn't just one of the fastest-growing cities in America—it's a place where families come to thrive without the constant financial pressure of higher-cost regions. Here, you don't have to compromise between career opportunities and a comfortable lifestyle.
Lower Cost of Living
Say goodbye to the relentless squeeze of high-cost coastal living. In Houston, your paycheck stretches significantly further when it comes to housing, groceries, and raising a family.
Tax Advantage
Imagine keeping what you earn. With $0 state income tax, you're not just saving money; you're creating real breathing room for your family's future and long-term goals.
Comfortable Lifestyle
Trade cramped apartments for backyards. With a booming job market, friendly communities, and year-round warm weather, Houston offers the space and opportunity to truly build the life you want.
Visual Cost Comparison
These simple charts make the difference easier to see at a glance. They are designed as visual marketing summaries based on the themes discussed above, including housing costs, everyday expenses, and tax advantages.
Monthly Cost Comparison Snapshot
Lower index suggests higher average monthly cost pressure for someone comparing Houston to the Tri-State area.
| Category | Houston | Tri-State |
|---|---|---|
| Housing | 40% | 92% |
| Food | 65% | 85% |
| Transport | 60% | 80% |
Illustration comparison for general cost description. Actual expenses vary.
Take-Home Advantage View
No state income tax in Texas can support stronger take-home value compared to many Tri-State scenarios.
Tax Burden
Comparison
Comparison
Houston, Texas: No state income tax.
Tri-State Area: State income tax applies.
Use this section as a virtual sales summary, not as a tax calculator or lending disclosure.
Houston vs. Tri-State Area
A summarized comparison focusing on the factors most people care about when planning a relocation.
| Category | Houston, Texas | Tri-State Area |
|---|---|---|
| Overall Cost of Living | Generally lower and more budget-friendly | Generally much higher |
| Housing Costs | More affordable rent and home prices | Higher rent and higher home prices |
| State Income Tax | No state income tax | State income tax applies |
| Weather | Warm climate with mild winters | Cold winters and seasonal extremes |
| Commute and Driving | Can offer easier suburban access and flexibility | Often more congestion, tolls, and higher transit costs |
| Space and Home Value | More home for the money | Less space at a higher cost |
| Everyday Expenses | Often lower for groceries, dining, and services | Often higher across daily categories |
“Warm weather. Lower living costs. No state income tax. More space. Houston can offer a better value and a more comfortable lifestyle for many buyers relocating from the Tri-State area.”
Frequently Asked Questions
Answers to common questions about moving and financing a home in Texas.
No, Texas is one of the few states that does not have a state income tax. This can mean significant savings for residents relocating from high-tax states like California and New York.
While Texas does not have a state income tax, property taxes can be higher than the national average depending on the county. However, the overall cost of living and housing prices often offset this difference.
Working with a licensed mortgage professional like Edi Shek (NMLS# 216981) ensures a smooth transition. You can get pre-approved before you move, allowing you to confidently shop for homes in Texas while you finalize your relocation plans.
Houston, Dallas, Austin, and San Antonio are top destinations due to their strong job markets, diverse communities, and range of housing options.
Connect With Edi Shek
Ready to explore your mortgage options for a potential move to Texas? Reach out to discuss your goals and next steps.
Name
Edi Shek
NMLS License
NMLS# 216981
TREC License
No. 9015996
Title
Residential Mortgage Loan Originator
Designation
Realtor
TREC License
No. 9015996
This page is for informational and marketing purposes only and is not a commitment to lend. Loan options, terms, and qualification are subject to underwriting and program guidelines.