05/19/2026
$1.2M in the Bay Area buys a 1960s 1,400 sq ft fixer. The same $1.2M in Buda, Texas buys 4 bedrooms, an acre, a pool — and Texas property-tax math you should know about up front.
I get this question almost every week from folks looking to relocate to Central Texas: "What does my California budget actually buy in Austin's surrounding cities?" So here's a real comparison from this week, with the property-tax math people usually leave out.
Bay Area, $1.2M: roughly 1,400 sq ft, 3-bedroom, 1.5-bath, single-story, 1960s build on a 5,000 sq ft lot. Property tax around 1.1% — about $13,200/year.
Buda, TX, same $1.2M: 4-bedroom, 3-bath, 3,400 sq ft on roughly an acre, built 2019, with a pool and finished outdoor space. Property tax around 2.0% with homestead exemption applied — about $19,800/year, or $22,000–$24,000 before exemption.
Insurance is the other line nobody talks about. Texas premiums have climbed sharply in 2026 — budget $4,500–$6,000/year on a home in this price range, depending on roof age and location.
So yes, you get more home, more land, no state income tax, and access to one of the strongest job and small-business markets in the country. AND you should walk in with the full TCO math, not just the sticker price. That's the conversation I have with every Bay Area family who calls me.
California to Texas isn't a no-brainer. With the right preparation, it's the right call for a lot of families. With incomplete information, it's an expensive surprise.
Message me "RELOCATE" and I'll send you my full Texas vs. California TCO worksheet — taxes, insurance, utilities, and the math my clients actually use.