State Guide
Texas Homebuyer & Homeowner Resources
Real numbers for buying and owning a home in Texas — taxes, true monthly costs, closing costs, first-time buyer programs, and a rent vs. buy analysis built on local data.
Updated 2026-Q2 · Source citations on every data point
Texas guides
True Cost of Owning a Home in Texas (2026)
Every monthly cost beyond the mortgage — taxes, insurance, maintenance, HOA, and utilities. Pre-seeded calculator shows your actual number.
true monthly cost at median
$2,910/mo
First-Time Homebuyer Programs in Texas (2026)
State assistance programs, DPA grants, and the real math on what each program saves on your monthly payment.
active assistance programs
2 programs
Closing Costs in Texas (2026): What You'll Pay at the Table
Full itemized breakdown of what you'll pay at the table — transfer taxes, title fees, attorney costs, and what's actually negotiable.
avg total closing costs
$5,795
Property Tax in Texas (2026): Rates, Exemptions, and Real Numbers
Effective rates, county-by-county variation, homestead exemptions, and a step-by-step guide to appealing your assessment.
effective property tax rate
1.80%
Rent vs. Buy in Texas (2026): When Buying Actually Makes Sense
Price-to-rent ratio by city, break-even timeline, and which specific markets in the state favor buying vs. renting.
price-to-rent ratio
17.5
Quick estimate
Mortgage payment on a Texas median-priced home
Median price
$305,000
Down payment
20% ($61,000)
Rate (30-yr)
6.40%
P&I payment
$1,538/mo
That P&I covers 53% of your true monthly cost. The remaining $1,372/mo goes to taxes, insurance, and maintenance. See the full breakdown →
Use mortgage calculator →Note: These calculations are for educational purposes — always consult a licensed professional before making financial decisions.
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