Buying your first home in Texas is an exciting milestone. Whether you’re relocating from out of state or finally planting roots in your hometown, owning property in the Lone Star State comes with its own unique perks — and a few surprises. From scorching summers to local utility setups and community norms, there’s a learning curve that every new homeowner should be prepared for before unpacking the first box. Before you dive into decorating or planning your housewarming party, take a step back and get familiar with some of the practical things that make life as a Texas homeowner a whole lot smoother.
Set up Your Utilities Early
One of the first things you’ll need to do is handle your utilities — especially your electricity. Texas has a deregulated electricity market in many areas, meaning you can choose from multiple electricity providers instead of being assigned just one. This gives you the power to compare rates, contract terms, and plan types. Some providers offer flexible, no-deposit plans, while others focus on renewable energy. Shopping around a few weeks before your move-in date ensures your lights (and AC!) are ready to go on day one.
Understand the Climate (and Your AC)
Texas weather can be intense, especially during the summer months when triple-digit temperatures are the norm. A well-functioning air conditioning system isn’t just a luxury here — it’s a necessity. Before moving in, schedule a quick HVAC inspection to make sure your system is in good shape. Also, consider upgrading to a smart thermostat, which can help manage your energy usage and keep your home comfortable without breaking the bank.
Know the Property Tax Situation
Texas doesn’t have a state income tax, which is a nice perk, but that often means higher-than-average property taxes. These can vary significantly depending on the county or city you live in, so it’s smart to get familiar with your local rates and what they fund — like schools, emergency services, and road maintenance. Make sure your mortgage escrow account is set up to handle these taxes so you don’t get caught off guard.
Don’t Skip the Homeowner’s Association Details
If your new home is in an HOA community, take time to read the fine print. HOAs can affect everything from what color you paint your house to where you can park your vehicle. While some homeowners find them helpful for maintaining property values, others feel limited by the rules. Understanding the dues, restrictions, and benefits ahead of time will help you avoid surprises later on.
Take Lawn and Landscape Seriously
Texas pride often shows up in the front yard. Many communities have well-kept lawns, native plants, and seasonal flowers. But the climate can be tough on landscaping, especially during dry stretches. Learn about drought-tolerant plants and local watering schedules. If you have big trees or a large lawn, it might be worth investing in professional landscaping help, especially during the hotter months.
Get to Know Your Neighbors and Neighborhood
Texas hospitality is real — people like to say hello and lend a hand. Take time to meet your neighbors, whether it’s through a local Facebook group, an HOA meeting, or just a friendly wave. Locals can be an incredible resource when it comes to recommending service providers, navigating local regulations, or even finding the best taco spot in town.
Moving into your first Texas home is a big step, and while there are a few extra things to think about, being informed ahead of time makes the transition that much easier. From choosing the right electricity plan to learning how to beat the heat and bond with your neighbors, settling in doesn’t have to be overwhelming. With a little prep and a true Texas mindset, you’ll be feeling at home in no time.