Buying a home in Texas is exciting—but it can also be overwhelming. From navigating property taxes to understanding the different types of neighborhoods, there’s a lot to consider. Whether you’re a first-time buyer or moving across the state, here are five of the most common mistakes Texas homebuyers make—and how to avoid them.
1. Underestimating Texas Property Taxes
Texas doesn’t have a state income tax, which is great news for your paycheck—but it makes property taxes higher than many other states. Some buyers focus only on the home’s listing price without factoring in annual property taxes, which can significantly affect your monthly payment. Tip: Always ask for a tax estimate based on the current assessed value and check if you qualify for exemptions, like the Texas Homestead Exemption.
2. Not Considering the Weather and Flood Zones
Texas weather can be unpredictable—especially during hurricane season or flash floods. Many buyers skip the step of checking FEMA flood maps or asking about past flood history. This can lead to expensive insurance costs or unwanted surprises. Tip: Review flood zone maps, consider flood insurance early in the process, and ask your Realtor about any known risks in the area.
3. Skipping Pre-Approval Before House Hunting
In competitive Texas markets like Dallas, Austin, or Houston, homes move fast. Starting your search before securing a mortgage pre-approval can mean missing out on your dream home. Tip: Get pre-approved before touring properties so you know exactly what you can afford and can act quickly when the right home hits the market.
4. Overlooking Neighborhood Trends and Amenities
Texas is vast, and so are its real estate markets. Some buyers fall in love with a home but don’t take time to explore the neighborhood. Proximity to schools, grocery stores, and commute routes makes a big difference in daily life. Tip: Spend time in the neighborhood during different times of day, look into school ratings, and ask about future development plans.
5. Choosing the Wrong Realtor (or Going Without One)
A local, knowledgeable Realtor can help you avoid all of the above mistakes—but many buyers go with the first agent they meet or try to do it alone. In a unique market like Texas, you want someone who knows the ins and outs of contracts, local customs, and negotiation strategies. Tip: Interview multiple agents and work with someone who listens to your needs, knows your desired area, and puts your interests first.
Final Thoughts
Texas real estate offers incredible opportunities—but like anything, knowledge is power. By learning from common mistakes and working with the right professionals, you’ll set yourself up for success and find the home that fits your lifestyle and budget.