Plan around commuting
Houston is a large, car-oriented metro. Public transit exists (METRO buses and light rail), but most residents drive. Test your commute at rush hour before choosing an area. Source: Houston METRO.
Buying is a different process
In Texas, buyers and sellers typically use standard contract forms promulgated by the Texas Real Estate Commission, and closings are usually handled by a title company rather than attorneys at a closing table. Co-op and condo board approvals, common in New York, are rare. Ask your agent about the option period, which lets you terminate for any reason within a negotiated time for a fee.
No traditional zoning
The City of Houston doesn't have conventional zoning. Neighborhood character is protected mostly through deed restrictions and HOAs, so check what restrictions cover a property and what could be built nearby.
Flood risk is a real factor
Look up the property on the FEMA Flood Map Service Center, read the seller's disclosure (it asks about prior flooding and flood insurance claims), and consider flood insurance even outside mapped high-risk zones. The Harris County Flood Control District has local resources.
Taxes
Texas has no state income tax, unlike New York, but property taxes are significant and many suburbs add MUD taxes. Apply for your homestead exemption after you move in. See the Texas Comptroller.
Selling in New York?
We can connect you with a licensed New York agent to sell and a Houston agent to buy. John is licensed in Texas only.
See also: Need a real estate agent in Houston, TX.
General information, not legal or tax advice.
