How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will increase by approximately $1,098 per month ($13,176/year) when you move from Louisiana to Texas.
If you sell your median-priced Louisiana home ($195K) and buy in Texas ($310K):
Your Louisiana equity falls $4K short of a 20% down payment in Texas. You may need additional savings or could consider a lower down payment with PMI.
Over 10 years, this move costs you approximately $132K in housing costs alone.
Housing costs more in Texas. The median home is 37% higher than in Louisiana — a $115K jump. You may need to adjust your expectations on square footage or location, or come with a larger down payment to keep your monthly costs manageable.
Watch out for Texas's 1.8% property tax rate — that's $4,508 more per year than you're used to in Louisiana (0.55%). Property taxes are often the hidden cost that surprises relocating buyers.
When you buy in Texas, expect about $5K in closing costs (1.7% of purchase price). Texas has no transfer tax, which helps keep your upfront costs lower. Budget for this amount on top of your down payment.
Texas's TDHCA My First Texas Home offers Up to 5% DPA grant. If you haven't owned a home in three years (or are buying in Texas for the first time), you may qualify. Check eligibility requirements and income limits on Texas's housing finance agency website.