06/11/2026
💸 I see this comment on my posts ALL the time.
And honestly? It deserves a real answer.
Yes, Texas has property taxes. Southlake is a luxury market and I will never pretend otherwise. 🏡
But here's what people leave out when they say that…
On a $1.5M home in Southlake, your annual property tax runs roughly $23,000–$26,000/year after homestead exemptions.
Now let's look at what a household earning $350K pays in California state income tax:
📌 ~$28,000–$35,000. Every single year.
In Texas? $0. 🚫
So at $350K household income:
✅ Income tax savings: $28K–$35K
✅ Property tax bill: $23K–$26K
✅ Net result: You come out AHEAD in Texas
And at $500K+ household income?
💰 You're $20,000–$30,000 ahead every single year.
But wait, we're not done yet. 👇
Let's talk about home insurance. 🏠
In California right now:
❌ State Farm stopped writing new policies
❌ Allstate stopped writing new policies
❌ A $1.5M home in a fire-risk zone (which is most of LA and the Bay Area) now costs $10,000–$20,000+ per year to insure IF you can even get private coverage
In Southlake, Texas?
✅ $5,000–$8,000/year on a luxury home
And here's the detail that stops people in their tracks every time 👇
Carroll ISD's tax rate has been cut by more than 27% since 2021. 📉
The narrative that Texas property taxes cancel out your income tax savings is only true at lower income levels. For the families I work with, high-earning professionals relocating from California, the math consistently favors Southlake.
Not slightly. Significantly. 📊
This is exactly what I walk every client through before they buy. Numbers don't lie, and I'd rather you have the full picture than half of it. 🤍
💌 DM me MATH and I'll send you a personalized side-by-side breakdown based on your actual household income and target home price in Southlake.
