Moving to Texas from Utah

If you’re coming from Utah, the tax picture is one of the first real differences. Utah has a flat 4.45% state income tax as of 2026, while Texas has none. Housing costs vary depending on where in Utah you’re coming from: along the Wasatch Front, Salt Lake City’s median home price has been running somewhere around $598,000-$685,000, noticeably higher than Austin’s median of roughly $520,000-$550,000, so most Utah buyers along that corridor find their money stretches further here.

There’s also a genuine overlap worth knowing about: Utah’s “Silicon Slopes” tech corridor between Salt Lake City and Provo has grown fast over the last decade, and a lot of the same tech and startup activity is happening here in Austin. If you’re relocating for work, there’s a decent chance you already know people who’ve made a similar move between these two tech hubs. Climate is a real shift too: Utah’s Wasatch Front has a dry, four-season mountain climate with genuine snow and a well-known ski season, while Austin sits close to sea level with a humid subtropical climate, long hot summers and mild winters that rarely see snow. And culturally, the Wasatch Front is shaped heavily by the Church of Jesus Christ of Latter-day Saints, while Austin’s culture is famously eclectic and secular-leaning, something a lot of Utah transplants notice right away.

I can help you find the ideal home with the least amount of hassle because I am devoted to using my expertise and the full resources of my office to achieve these results, and I’ve helped buyers make this exact move from Utah before.

Purchasing a home is a very important decision and a big undertaking in your life. In fact, most people only choose a few homes in their lifetime. I am going to make sure that you are well equipped for your move to Texas and armed with up-to-date information for your big decision, not generic relocation filler. I am even prepared to guide you through every phase of the home-buying process.

My goal with this page is to give you something genuinely useful for your move from Utah to Texas. Hopefully, it will be an invaluable guide and will encourage you to call me and work with me to get you home in Texas.

Congratulations…

Congratulations on deciding to make Texas home. Moving from Utah to Texas is a real change, a different tax structure, a different climate, and a different cultural texture, but you’ve already made the hardest decision. I hope your experience becoming a Texan is a good one, and I’m going to do what I can to make it as smooth as possible. Owning a piece of Texas is a big deal, and there’s a lot to sort through along the way.

So let’s take this on together! I look forward to helping you with every step of your move from Utah.

Getting Pre-Approved…

Getting preapproved in Texas by a local lender is going to be seen as quite favorable by sellers in Texas because there are so many things that are different in Texas from other states.  Many buyers apply for a loan and obtain approval before they find the home they want to buy. You also have the ability to obtain a full credit approval where the mortgage lender goes through the entire approval process with you and then adds in the property later.  I am happy to talk to you more about this.

Pre-qualifying will help you in the following ways:

1. Generally, interest rates are locked in for a set period of time. You will know in advance exactly what your payments will be on offers you choose to make.
2. You won’t waste time considering homes you cannot afford.

Pre-approval will help you in the following ways:

1. A seller may choose to make concessions if they know that your financing is secured. You are like a cash buyer, and this may make your offer more competitive.
2. You can select the best loan package without being under pressure.

How Much Can You Afford?

There are three key factors to consider:

1. The down payment
2. Your ability to qualify for a mortgage
3. The closing costs associated with your transaction.

DOWN PAYMENT REQUIREMENTS:

Most loans today require a down payment of between 3.5% and 5.0% depending on the type and terms of the loan. If you are able to come up with a 20-25% down payment, you may be eligible to take advantage of special fast-track programs and possibly eliminate mortgage insurance.

CLOSING COSTS:

You will be required to pay fees for loan processing and other closing costs. These fees must be paid in full at the final settlement unless you are able to include them in your financing. Typically, total closing costs will range between 2-5% of your mortgage loan.

QUALIFYING FOR THE MORTGAGE:

Most lenders require that your monthly payment range between 25-28% of your gross monthly income. Your mortgage payment to the lender includes the following items: 1. The principal on the loan (P) 2. The interest on the loan (I) 3. Property taxes (T), 4. The homeowner’s insurance (I).

Your total monthly PITI and all debts (from installments to revolving charge accounts) should range between 33-38% of your gross monthly income. These key factors determine your ability to secure a home loan: Credit Report, Assets, Income, and Property Value.

Items Needed for Pre-Approval…

Lending practices are pretty much the same nationwide. However, just in case you have never bought a home, I did want to cover some of the items that you will need to get pre-approved. You likely already have banking and lending relationships in Utah, but I’d encourage you to find a mortgage professional here who’s familiar with handling transactions in Texas and knows our real estate contract, since some of the loan documentation and timelines differ from what Utah lenders are used to.

Here are some initial items you are going to need to obtain your mortgage pre-approval.

• Government-issued photo ID
• Two months current pay stubs
• Last two year’s W2s and income tax returns
• Complete copies of checking and savings statements for the last three months
• Copies of statements for IRAs, 401k, savings, CDs, money market funds, etc.
• Employment history for the last two years with addresses and contacts
• Employment information for your job/position in Texas
• Proof of commissioned or bonus income
• Residency history for the last two years with addresses and contacts
• Assets for down payment, closing costs, and reserves; must provide a paper trail
• If self-employed, last two years tax returns, current profit, and loss statement and balance sheet; a copy of partnership/corporate tax returns for the last two years if owning more than 25% of the company
• FHA requires a driver’s license and social security card
• VA requires original certificate of eligibility and DD214
• Other things may be required such as previous bankruptcy, divorce decree

Before We Start our Home Search Journey…

We’re going to be viewing a variety of homes to get you settled here after your move from Utah, and before we do, there are a few things about Texas real estate we need to get out in the open.

School Boundaries in Texas

School boundaries may change or be hard to determine which address feeds to what school.  I would encourage you to contact the school district for the property you decide on to further verify that the address of the property feeds to the school of interest.  These school boundaries change as do the schools that homes feed to.  Make sure that you are fully comfortable with the school district.

Square Footage

Measuring the square footage in a home is not an exact science.  Calculations can vary based on the person doing the measurement, the information available, and the agent of the calculation.  I do not measure homes and the listing agent probably has not either.  If it is deemed necessary, some sellers might have had their homes measured but it is not the standard.  If the square footage of the home you are interested in purchasing is a factor in your decision, I would like to encourage you to have the property measured and the measurement calculated by a qualified professional such as an appraiser, engineer, or architect.

The Soil in Texas

Another thing right off the bat that we need to address is Texas soil; it’s imperfect. Much of the Wasatch Front sits on rocky mountain soil and old lakebed sediment from ancient Lake Bonneville, a very different foundation than what you’ll find here. Central Texas sits on expansive clay that swells when it gets wet and shrinks when it dries out, and that movement can affect a home’s foundation. You won’t find basements as a standard feature in Texas the way you’re used to in Utah, since our clay soil makes basements far less practical, but you will find a lot of slab foundations and pier-and-beam construction instead. Sometimes that foundation movement causes cracks in walls or other parts of the building, which can happen even in new construction. The concrete curing process on a newly built home can cause some of that same movement too.

Moving from Utah to Texas means a real climate change on top of the soil difference. Utah’s dry mountain climate with real winter snow gives way to Austin’s hot, humid summers and mild, mostly snow-free winters, and that seasonal humidity swing plays a role in how Central Texas clay expands and contracts. When we find the home you’re interested in, it might be wise to have a foundation company look at it if you or the inspector deem it necessary. If we do, that needs to happen during the inspection period, which we’ll cover in a few.

Annexation

If the property you find is located outside of the limits of a municipality, you are going to want to contact nearby municipalities to find out if the property may later be annexed by that municipality.  You will contact the surrounding municipalities for this information.

The Home Search

Once we obtain a pre-approval from your mortgage loan officer, we will then want to start looking at houses.  You are going to want set up an account and start familiarizing yourself with the uncommon website.  You will hear me tell you to come and get lost in the city and I mean just that.  I strongly encourage you to come here and get lost in the city.  Find out what areas you like more than others, the style of homes, the traffic-flow, and everything else.  Check out the restaurants, grocery stores and other things that you visit on a regular basis.  I will refuse to tell you what areas are better than others.  It’s a question that is impossible to answer because everything views different aspects as important.

Once you come and get lost (remember your phone has GPS) and you have identified an area of town that you like the most, then start looking at neighborhoods.  I can, of course, help you with price points and styles of homes.  I will have already started sending you homes to look at.  But you are going to want to look at more than just the home.  You are going to want to look at the neighborhood and the area as well.  I always recommend driving the top neighborhoods that you narrow down on your list at various times of the day.  Drive-by in the mid-morning, afternoon, evening and night.  If you want to get a good representation of the area, drive it at different times; if need be, get out and walk it.

As you start to become more comfortable with the area of town that most interests you, then it’s time to start focusing in-on the houses in that area. The home search in most cases will take care of itself when you find the area of town and neighborhood(s) you want to target for your new Texas home. Austin’s layout and traffic patterns are different from the Wasatch Front’s, so give yourself time to learn how the city actually moves. I’m happy to answer any question I can to help you get settled in.

After you find the area(s) and home(s) of interest and we find the one you want, it will be then time to start looking at a comparative market analysis and market condition reports to verify pricing and to look at making an offer.

Making an Offer…

Once you have found the home you wish to purchase, you will need to determine what offer you are willing to make for the home.  I will be there to guide you through the offer process every step of the way.  It is important to remember that the more competition there is for the home, the higher the offer should be – sometimes even exceeding the asking price.  Remember, be realistic.  Make offers you want the other party to sign!

To communicate your interest in purchasing a home, we will present the listing agent with a written offer.  When the seller accepts an offer it becomes a legal contract.  When you write an offer you should be prepared to pay an earnest money deposit.  This is to guarantee that your intention is to purchase the property.

After we present your offer to the listing agent it will either be accepted, rejected, or the seller will make a counter-offer.  This is when we will negotiate terms of the contract if necessary.

The step-by-step contract procedure for most single-family home purchases is standard.  The purchase agreement used is a standard document approved by our local real estate board.

The purchase agreement or contract constitutes your offer to buy and, once accepted by the seller, becomes a valid, legal contract. For this reason, it is important to understand what is written on the contract offer. Moving from Utah and buying here brings its own set of challenges, and I’m here to do my best to keep those limited and catch what I can before it becomes a problem for you.

The Termination Option Period

Once your offer is accepted, you as the buyer will have to pay a Termination Option fee. This concept doesn’t have a real equivalent in Utah’s contract process, so it’s worth explaining clearly. In Texas, we have an option period where for a certain number of days, you’re able to take the home off the market and have access to it (during reasonable times) for inspections. This is when we schedule any necessary home inspections to make sure there’s nothing majorly wrong with the home.

The Termination Option period lasts for a negotiated period of time and we will have the unrestricted right to terminate the contract.  Most buyers choose to purchase a termination option period and I would highly recommend you do as well.  There are many things you will need to do during this period.

You will also need to have the property inspected and we have to have any requested repairs negotiated before this period of time expires.  If it Termination Option time period expires and there are items you would like to have addressed, you have lost the ability to negotiate.  Any and all negotiations have to be conducted during this time period.

Here are some of the things that will need to occur during the option period:

• Property inspections
• Apply for property insurance and obtain a written cost of coverage
• If the property is located outside of the city limits, could it be annexed in the near future?
• School district verifications
• Is the property in a historic or conservation district?
• Have your insurance agent pull a CLUE report for you and the property to make sure there are no issues with obtaining insurance
• You need to check with the city and see if there are any unresolved permits that were opened previously;
• You need to check the Texas Department of Public Safety website.  Here you can check out the sex offenders who may reside in the area.

What Happens Next…

Now that you’ve decided to buy your home here, what happens between now and the time you legally own it? A Title Company may handle the following items. NOTE: In different parts of the country, attorneys, lenders, escrow companies and other persons who are independent of title companies perform some or all of these functions. Utah closings often run through a title company in a broadly similar way, but there are real differences in how Texas structures this process. Here in Texas, a Title Company attorney only represents the title company and does not represent either party (the home seller or buyer). If you would like your papers reviewed by an attorney, you are most certainly welcome to have an attorney of your choice at your cost review any of the papers.

Ready to Start Your Search?

Earnest Money – An agreement to convey starts the process once it is received at the Title Company.  Once you submit the loan application, it is usually subject to a credit check, an appraisal, and sometimes, a survey of the property.

Tax Check – What taxes are owed on the property?  The Title Company contacts the various assessor-collectors.

Title Search – Copies of documents are gathered from various public records: deeds, deeds of trust, various assessments and matters of probate, heirship, divorce, and bankruptcy are addressed.

Examination – Verification of the legal owner and debts owed.  You should obtain a title insurance policy through the title company or at the very least have an abstract of title covering the property examined by an attorney of your choosing (at your cost) no later than the time requirements listed in the contract.  If for some reason you are not going to purchase a title insurance policy, you will want to have the abstract of title examined at the very least during the option period.  I will always recommend that you purchase a title policy.

Document Preparation – Appropriate forms are prepared for conveyance and settlement.

Settlement – An Escrow Officer oversees the closing of the transaction: seller signs the deed, you sign a new mortgage, the old loan is paid off and the new loan is established.  Seller, agents, attorneys, surveyors, Title Company, and other service providers for the parties are paid.  Title insurance policies will then be issued to you and your lender.

Title Insurance – There are two types of title insurance:

• Coverage that protects the lender for the amount of the mortgage,
• Coverage that protects the equity in the property.

Both you and your lender will want the security offered by title insurance.  Why?

Title agents search public records to determine who has owned any piece of property, but these records may not reflect irregularities that are almost impossible to find.  Here are some examples: an unauthorized seller forges the deed to the property; an unknown, but rightful heir to the property shows up after the sale to claim ownership; conflicts arise over a will from a deceased owner, or a land survey showing the boundaries of your property is incorrect.

For a one-time charge at closing, title insurance will safeguard you against problems including those events an exhaustive search will not reveal.

Obtaining An Inspection…

Whether you are purchasing a new or resale property, I highly recommend that you have a professional home inspector to conduct a thorough inspection regardless of the age of the home.  Inspections look at the condition of the property that is presently visible at the time of the inspection.  Inspections, in general, are limited in scope because they cannot cut into walls to see what is occurring inside or beneath the property.  It is, however, the best profess to see what items may need to be addressed that you might not or could not see with the untrained eye.

When it comes to obtaining an inspection, I have a list of inspectors I like to recommend to my clients however I do not and cannot warrant their work.  I am not an inspector and by virtue of my real estate license do not have that expertise.

The inspection will include the following:

• Appliances
• Plumbing
• Electrical
• Air conditioning and heating
• Ventilation
• Roof and Attic
• Foundation
• General Structure
• Water wells
• Septic

The inspection is not designed to criticize every minor problem or defect in the home. It is intended to report on major damage or serious problems that require repair. Should serious problems be indicated, the inspector will recommend that a structural engineer or other professional inspect it as well.

Your home cannot “pass or fail” an inspection, and your inspector will not tell you whether he/she thinks the home is worth the money you are offering. The inspector’s job is to make you aware of repairs that are recommended or necessary.

The seller may be willing to negotiate completion of repairs or a credit for completion of repairs, or you may decide that the home will take too much work and money. A professional inspection will help you make a clear-headed decision. In addition to the overall inspection, you may wish to have separate tests conducted for termites or the presence of radon gas.

If the property has a water well, I suggest that you have the equipment and water tested during the option period.  You additionally will want to determine if the county, water district, or other area regulatory bodies require any registration or other action to begin using the well.

If the property has a septic tank and/or on-site sewage facilities you are going to want to have these systems also inspected.  Special maintenance may be required for certain systems and you will want to determine whether the county requires any registration, maintenance plans or other requirements before using the septic system or on-site sewer facility.

In choosing a home inspector, consider one that has been certified as a qualified and experienced member by a trade association.

I recommend being present at the inspection presentation. This is to your advantage. You will be able to clearly understand the inspection report and know exactly which areas need attention. Plus, you can get answers to many questions, tips for maintenance, and a lot of general information that will help you once you move into your new home. Most important, you will see the home through the eyes of an objective third party.

Service Providers…

Moving from Utah means you’ll be needing some new service providers here in Texas. We are happy to make share our recommendations of service providers. These are vendors we have worked with in the past and that have been recommended to us by satisfied customers. Whether it is for an inspector, title company, mortgage lender, or anyone else, feel free to pick up the phone or drop me an email and I am happy to get you in touch with the right service provider for you. Please remember that these are only recommendations. These recommendations are made on an informational basis only and are offered as a convenience to you. We accept no responsibility.

Appraisal…

An appraisal is the official valuation of the property.  It is different than a comparative market analysis (or CMA) and is performed by a licensed certified appraiser.  The appraiser renders their estimate of value for the property in an appraisal report.  This report is a document that you are going to have to pay for through your mortgage lender.  You and I will have very little to do with this process.  In certain situations, the lender will not require an appraisal to be done.  An appraisal is something that I would encourage you to obtain even if you decide to purchase the property with cash.  An appraisal should not be confused with a property inspection.  They are two completely different things.

Obtaining A Home Warranty…

Regardless of whether you decide on a new home or a resale home, I am going to highly recommend that you purchase a home warranty.

Home Warranties for New Homes:

When you purchase a newly built home, the builder usually offers some sort of full or limited warranty on things such as the quality of design, materials, and workmanship. These warranties are usually for a period of one year from the purchase of the home.

At closing, the builder will assign to you the manufacturer’s warranties that were provided to the builder for materials, appliances, fixtures, etc. For example, if your dishwasher were to become faulty within one year from the purchase of your newly built home, you would call the manufacturer of the dishwasher – not the builder.

If the homebuilder does not offer a warranty, we will want to be sure and ask why they do not.

Home Warranties for Resale Homes:

When you purchase a resale home, you can purchase warranties that will protect you against most ordinary flaws and breakdowns for at least the first year of occupancy. The warranty may be offered by either the Seller, as part of the overall package, or by the agent. Even with a warranty, you should have the home carefully inspected before you purchase it.

A home warranty program will give you peace of mind, knowing that the major covered components in your home will be repaired if necessary. Ask me for more details about home warranty packages.

Final Walkthrough…

Right before closing, we are going to want to walk through the property.  During this walkthrough, we are going to want to check and make sure the property is in at least the same condition as it was when we made the offer to purchase.  If the property does not satisfy the provisions in the contract, we will want to notify the listing agent and see what can be done to remedy the issue(s) before we will close on the property.

What Happens At Closing…

You’ve put in the work to make this move from Utah happen, and closing is the culmination of all of it. A “closing” is where you and I meet with some or all of the following individuals: the Seller, the Seller’s agent, a representative from the lending institution and a representative from the title company, in order to transfer the property title to you. The purchase agreement or contract you signed describes the property, states the purchase price and terms, sets forth the method of payment, and usually names the date and place where the closing or actual transfer of the property title and keys will occur.

If financing the property, your lender will require you to sign a document, usually a promissory note, as evidence that you are personally responsible for repaying the loan. You will also sign a mortgage or deed of trust on the property as security to the lender for the loan. The mortgage or deed of trust gives the lender the right to sell the property if you fail to make the payments. Before you exchange these papers, the property may be surveyed, appraised, or inspected, and the ownership of title will be checked in the county and court records.

At closing, you will be required to pay all fees and closing costs in the form of “guaranteed funds” such as a Cashier’s Check. Your agent or escrow officer will notify you of the exact amount at closing.

What is an escrow account?

An escrow account is a neutral depository held by your lender for funds that will be used to pay expenses incurred by the property, such as taxes, assessments, property insurance, or mortgage insurance premiums which fall due in the future. You will pay one-twelfth of the annual amount of these bills each month with your regular mortgage payment. When the bills fall due, the lender pays them from the special account. At closing, it may be necessary to pay enough into the account to cover these amounts for several months so that funds will be available to pay the bills as they fall due.

Taking Possession of the Property

Most real estate contracts provide that the seller of the property will deliver possession of the property at the time the transaction closes at the title company.  Sometimes we can offer a seller temporary leaseback as part of our negotiation tactics to enable the seller to move out of the property after closing.  Whether you are taking possession of the home the day of closing or several days later, I would highly encourage you not to schedule any type of service(s) for that day.  Things happen and complications can occur which could throw your scheduling in havoc.  Take a beat and schedule those items for the following day.

If you are obtaining a mortgage, you are going to need to check and make sure that your lender will be able to fund the loan on the day of closing.  If the loan does not fund, you cannot have access to the property.  In addition, I am going to ask you to schedule your closing time with the title company as early in the day as possible.  If we close later in the day there is a greater chance that the loan will not fund that day and you will not be able to get the keys, take possession, or move in or make changes to the property until after the loan has funded.

Moving In…

CONGRATULATIONS! You have closed on your new home and now you are ready to move! Think about your move as a series of small projects that you can begin while your home is under contract. Your move will progress as your contract and closing progress. That way, when the day comes to physically move your belongings, most of the details will be taken care of.

Keep detailed records of your moving expenses regardless — it’s good practice. One thing worth knowing: the federal tax deduction for job-related moving expenses was suspended for most civilian taxpayers back in 2018, and that suspension was made permanent in 2025. Today it’s really only active-duty military making a permanent change of station (and certain intelligence community employees) who can still deduct moving costs. Talk to your tax advisor about your specific situation before assuming any of your moving costs are deductible.

Keep detailed records of all moving expenses for your move from Utah to Texas if it’s job-related, and check with your tax advisor about what’s currently deductible, since federal rules around moving expense deductions have changed in recent years and vary by situation.

And finally, I look forward to welcoming you home to Texas, all the way from Utah.

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