At Mueller Residential Group, we’ve had the pleasure of helping buyers relocate from all over the world - and if there’s one thing we’ve learned, it’s that buying a home in Texas isn’t quite the same as buying a home anywhere else, even other states. From legal nuances to unique financing programs and regional quirks, the Lone Star State has its own way of doing things.

Whether you're moving from California, New York, Illinois, or anywhere in between, here’s what makes buying a home in Texas different - and how we help you navigate the process with confidence.

1. Texas Is a Non-Disclosure State

Probably one of the first, if not the biggest, surprises for out-of-state buyers is learning that Texas is a non-disclosure state. That means the sales price of a home is not public record. In most states, you can look up what a property sold for - but not in Texas! Only parties directly involved in the transaction, including the agents and the title company, will know the final sales price. Only a lien is publicly recorded, which rarely equals the sale price of the home.

How MRG helps: On top of being experts in our area, we provide comparative market analyses (CMAs) with detailed insight into local pricing trends, so you're not buying blind. 

2. Property Taxes Are Higher - but There’s No State Income Tax

Yes, Texas property taxes can feel steep compared to other states - but keep in mind, there’s no state income tax. For many, especially those relocating from states with higher income taxes, the overall financial picture ends up balancing out. 

Pro tip: Different counties and municipalities have different tax rates and exemptions. We’ll help you evaluate the long-term impact of property taxes when choosing your new home.

3. Title Insurance Is Customary - And the Seller Often Pays

In Texas, it's customary for the seller to pay for the owner's title policy (although this is negotiable). In many other states, this cost falls on the buyer. It’s one of those little financial wins that can add up. For a deeper dive into the subject, read our handy dandy Homebuyer’s Guide to Title Insurance.

How we help: We negotiate favorable terms and connect you with trusted local title companies to ensure a smooth closing.

4. HOAs and MUDs: What You Need to Know

Many Texas neighborhoods - especially newer suburban developments - have HOAs (Home Owners Associations) and MUDs (Municipal Utility Districts). HOAs regulate neighborhood rules, while MUDs are special taxing districts that fund infrastructure like water and sewer.

These additional fees can impact your monthly expenses, so it’s important to factor them into your budget.

How we help: We give you full transparency on any HOA or MUD fees before you submit an offer - and help you understand what you're getting in return.

5. The Option Period: A Texas-Only Feature

Texas uses a unique contract feature called the Option Period. This is a negotiated timeframe (typically 5–10 days) during which the buyer can terminate the contract for any reason, in exchange for a nominal fee. 

Think of it as your due diligence window - perfect for inspections and negotiations. 

*Some states - most notably in North Carolina, Georgia, and South Carolina, among others - have something called the Due Diligence Period, which is similar. 

How we help: We guide you through the entire process - from inspections, to repairs, and on to other decisions during the option period to protect your investment.

6. Texas Homes Are Built for Heat, Not Cold

If you're relocating from northern states, you might be surprised to find that many Texas homes are built with heat, not freezing temperatures, in mind. That means different insulation standards, HVAC systems, and even plumbing configurations.

How we help: Our buyer walkthroughs include detailed education on what to expect from Texas homes - and what to look out for during inspections and how to maintain your home moving forward.

7. Land and Space Are Abundant - But Commuting Matters

In Texas, especially in cities like Austin, Dallas, and Houston, you’ll find larger lots and sprawling suburbs. That extra space is a huge draw for many buyers - but long commutes and traffic can be a tradeoff.

How we help: We help you weigh the pros and cons of different neighborhoods based on your lifestyle, commute, and priorities.

Y’all Ready to Buy in Texas? Let’s Make It Easy.

Buying a home in Texas has its own set of rules and rhythms - but with the right team on your side, it doesn’t have to be complicated. At Mueller Residential Group, we specialize in helping out-of-state buyers feel at home fast.

From your first showing to your final signature, we’re here to guide, advocate, and simplify every step of the journey. Ready to make your move?

Let’s connect and start your Texas home search today.