Why Buying a Home in Texas Is So Popular in 2025

If you're thinking about buying a home in Texas, you're not alone. From the wide-open spaces to fast-growing cities like Austin, Dallas, and Houston, Texas is drawing in new homeowners from all across the country. What makes it even more appealing? For starters, there’s no state income tax, which means more of your paycheck can go toward your dream home. Plus, the cost of living is lower than in many other states, and housing is still relatively affordable-even with today’s rising interest rates.

At X2 Mortgage, we specialize in helping homebuyers navigate the Texas home buying process from start to finish. Whether you're a first-time homebuyer in Texas or you're relocating for work, our team is here to help you make confident, smart decisions.

What Makes Buying a Home in Texas Unique

One of the biggest perks of buying a home in Texas is how much more you can get for your money. Larger lots, newer builds, and access to both suburban calm and urban convenience make Texas a standout market. Whether you're looking at a starter home in San Antonio, a fixer-upper in Fort Worth, or a luxury condo in Houston, there's something for everyone.

And it’s not just about variety. Texas offers a broad range of financing options, including VA and FHA loans in Texas, renovation loans, and bridge loans. That’s why working with a mortgage lender in Texas like X2 Mortgage is so crucial. We understand the local market, laws, and what’s needed to close quickly and without surprises.

How to Buy a House in Texas: The Process Explained

Buying a home in Texas doesn’t have to be overwhelming. The first step is to get pre-approved for a home loan in Texas-and that’s where we come in. At X2 Mortgage, we offer a fast, easy pre-approval process that helps you understand exactly how much home you can afford.

Once you're pre-approved, you can connect with a local real estate agent and begin house hunting. The best part? We can recommend trusted agents who know the ins and outs of the neighborhoods you’re targeting.

When you find the right home, you’ll submit an offer, go under contract, and schedule your inspection and appraisal. We'll work closely with you and your agent to make sure the financing process stays smooth all the way to closing. This is the Texas home buying guide you’ve been looking for-simple, clear, and customized to your needs.

The Real Cost of Buying a House in Texas

The cost of buying a house in Texas varies depending on location, but here’s a general breakdown. In 2025, the average home price in Texas hovers around $350,000. That number can jump much higher in cities like Austin or fall below that in smaller towns.

Expect to put down anywhere from 3% to 20%, depending on the loan type. Then there are closing costs, which typically run 2–5% of the home's value. Property taxes are higher than in some states, but with no income tax, the math often balances out. Insurance is another factor to consider, especially in areas prone to storms.

We help buyers plan ahead for all of this so there are no last-minute surprises. Transparency is our policy at X2 Mortgage.

Financing Options for Texas Homebuyers

There’s no one-size-fits-all when it comes to home loans. For many, FHA loans in Texas are a great choice-especially for first-time buyers with lower down payments. Veterans can take advantage of VA loans with no down payment required.

For higher-priced homes, we offer jumbo loans. For properties that don’t meet standard lending guidelines, such as non-warrantable condos, our team can walk you through custom options.

We also specialize in bridge loans, renovation loans, chattel loans, commercial loans, and land loans-ideal for buyers who want flexibility beyond the traditional mortgage path. That’s part of what makes X2 Mortgage the trusted mortgage lender in Texas.

Tips Every First-Time Homebuyer in Texas Should Know

If you’re a first-time homebuyer in Texas, here’s the best advice we can give: Start with a solid pre-approval. Knowing your budget before you shop prevents heartache later.

Also, don’t forget to factor in property taxes. Texas may not charge income tax, but those yearly taxes on your home can be higher than expected. Work with a lender who’ll help you calculate total monthly costs-not just the mortgage.

You’ll also want to consider growth potential. Buying in a neighborhood that’s trending upward can make a huge difference in your long-term investment. That’s especially true if you’re a buyer hoping to build equity quickly or convert your property into a rental down the line.

Lastly, always leave room in your budget for repairs, furnishings, or sudden expenses. A little cushion can go a long way during and after your move.

Why More Buyers Trust X2 Mortgage in Texas

At X2 Mortgage, we make it our mission to simplify the home loan process-especially in a fast-moving market like Texas. Our team knows the Texas home buying process from both a financial and logistical perspective. We move quickly, communicate clearly, and offer flexible options you won’t always find at big banks.

From helping you compare loan types to walking you through every document at closing, we’re here for the entire journey. We believe in no-pressure lending with honest answers, fast approvals, and no surprise fees.

We’ve helped families, investors, and relocators close confidently in Texas-and we’re ready to help you next.

Best Places to Buy a Home in Texas (2025)

Thinking about where to settle down? Some of the best places to buy a home in Texas right now include Pflugerville for its family-friendly vibe, Frisco for its explosive job growth, and San Antonio for affordability paired with culture.

Looking for something more rural or suburban? Check out towns like New Braunfels or Waxahachie-both offering strong value with room to grow.

Wherever you choose, the key is to move forward with a smart plan and the right team. And that’s where X2 Mortgage comes in.

Final Thoughts: Let’s Make Your Texas Dream a Reality

Buying a home in Texas is more than just a transaction-it’s a step toward building your future. Whether you're looking to put down roots, invest, or just take advantage of the state’s thriving economy, there's never been a better time to buy.

Let the team at X2 Mortgage help you secure the financing that fits your goals. We make it easy, transparent, and tailored to the unique Texas market.

Call (480) 992-4200 to get pre-approved today. Your new Texas home is closer than you think.