6 UNEXPECTED Costs of Living in Houston Texas! 

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Property taxes and car/home insurance is outrageous in Houston and all around it…insane.

Pretty solid job. The biggest issue I found is with MUD. There are MUD taxes and MUD bills. These are different, but related things. You should have covered MUD taxes when you were covering taxes up front. (all areas of Houston don't pay MUD taxes so you may not know; I didn't know about wind and hail insurance because I've never lived in those areas over my 40+ years in "Houston") A MUD tax is different than a city (what you called Municipal) tax when you covered taxes. MUD taxes are used to pay off the bonds that were used to build out water and sewer capabilities. MUD taxes can also be used to pay for emergency services, etc. I paid two of these when I lived in Tomball; a few thousand dollars a year for them both. (so not trivial) I live outside of the City of Katy now and I think I pay for one small MUD tax now, a recent addition, due to establishment of emergency services built nearby. You will also get a bill from the MUD where applicable for providing you water and sewer services. The notice of property appraisal comes on a postcard; very easy to think it's junk mail. Contest your appraisal where necessary; especially online. I think they have it automated. Just contest it and the system will very likely offer you a lower appraisal offer. Solar screen are awesome, but don't over do it and do it right. You need them mostly on the west side of the house, followed by the east side. You likely don't need them on the south side and you definitely don't need them on the north side. (the Sun moves towards the north in the summer and moves pretty far south in the winter; but is always hitting the west and east sides) If your windows have imitation muntins, the fake dividers that make one window looks like it's composed of several frames, make sure your solar screens are built to match; otherwise the solar screens look ugly from the outside as you can see the imitation muntins of the windows through the solar screens. To that end, pay attention to the orientation of the house. Try not to buy a house with a lot of windows exposed to the west. I paid careful attention to this when I bought my new house in Katy. My house has a LOT of windows, but they're almost exclusively on the north and south sides of the house. I don't have solar screens as I don't need them. Another option like a few of my neighbors have are roller shades that can drop down and cover the western doors/windows when needed. "powertochoose" is the official website for looking up electric prices. If you can find a good price, lock it in for a few years. I used to do one year contracts, but it wasn't worth the effort of yearly pricing.

Thanks very informative video and learned about some cost I didnt even think about. Likely moving to Houston late this summer and if so will for sure be in touch with your team!

Your videos are so helpful! We are about to move from Hawaii to Houston! Keep up the great content.

Love the setup, will be coping this soon!

Omg thank you so so much for these videos. More lesson -like vids please

Thanks for the info man. It’s very helpful. Do you have the website where you can check the property taxes rate for a particular house?

Very, very helpful

Great info. The only thing I would add regarding the property tax rate...those of us outside of Houston in Fort Bend County... Richmond, Sugar Land, etc whose homes don't receive city water have addtl taxes for MUD and LID.

Do you have a link to those sun shades you installed in the house?

Recently widowed and looking to relocate closer to oldest daughter who rents an apartment in Houston TX. In current home in Rochester over 20 years our property taxes are $5,000 per year…

Good Job 👍👍

Do you have link for those sunshades on the house? They look like they would be a necessity!

AT&T fiber coming soon I live in cypress, they were installing it throughout the neighborhood in Dec

Like to hear topics about retirement in Houston.

I am visiting Houston next week I would love to meet you. Thinking of moving to Katy

What are your thoughts on woodlands hills? For someone that works remotely.

Living in Huntsville Alabama my property taxes on a 375,000 2 story 2900 sq ft. full brick home home r 978.00 a year. I bought the house new in 2001. I live on a golf course on the 4th tee.

Looking to relocate to Houston from Michigan. Gas here is $3.09 and our taxes is calculated completely different.

Energy Ogre has a "Revoked" status on the Better Business Bureau and 2 out of 5 stars on Yelp.

What up, brother! Question: Do you have a lender that works with TVLB loans inside or outside a VA loan? We are looking to relocate from SW Austin to the N/ NE Houston area (Kingwood, Conroe, Cypress), but finding a lender that is versed in TVLB is quite difficult. We are exempt from 100% of Property Tax, PMI, Closing and Funding Fees...... Trying to take advantage of those discounts to the best of our availability.

How does the homestead exception calculated? Can you file for the Harris county exemption, AND the school district AND MUD or you pick one?

Do the seniors (over 65 + primary residence ) have to pay for ISD ? Once I hear senior homesteads exemption is $40K, not $25K is that correct ? I live in California, only pump gas at Costco the price is around $4.25/gal. Honda Pilot SUV around $80 to fill a tank.

What is the average sales tax?

The family and I are considering a move to Katy for a business opportunity. Appreciate the insigh as to expected costs. Coming from Canada, it's a totally different setup with regards to energy bills and tax rates. I'll be in touch when we're ready to make our move.

Wait a sec, I live in Fulshear and my tax rate is 3.33

gas price in Iowa is $2.64-3.00

$3,400 annually in Baltimore City

I love that people still talk about no income tax as a benefit of living in Texas. Property taxes are absolutely ridiculous. Many unanticipated costs. Think twice or even three times before moving here unless you are doubling or tripling your income. Sure the food is good but there is good food anywhere. That's not MUD tax it's Horse SHI+ tax....and you will step in it. Great people (no offense at all) Buc-ees is cool..but horrible costs and traffic, and crime, and drivers. Moving asap...

Cottonwood Az 2400 sq.ft.1ac. $3700/yr 10 yrs. old.

$7k/yr on a $250 house in Illinois - previous home $15K/yr on a $450 house --- I'l out of Illinois in 18 months

I am eligible for a VA loan. And I hear there are other Tax breaks for Veterans and Disabled Veterans. What's the scoop on that? Is that ONLY for Texas Drivers License?

@LivingHoustonTexas Thank for the very informative video. Would you mind to share where you got the Sun Shades for your house? Any promo codes ? 😊

$4.50 gallon for gas up here in WA!

The builder pays your fees?

Long beach ca 5.89 premium

You forgot to mention the fact that part of Katy is in Waller county.

Long Island, NY $3.36 reg

HOA Fee? They vary from area to area. I don't see that on your list. Also there is our 8.25 sales tax on any purchases since we don't have a State Tax.

Currently, $760/year in Buffalo.

4k a year

2.99 cypress

Man gas is like $4.50 in a Utah right now

My #1 concern right now is finding a place we can purchase a new construction and not be absolutely wrecked by an areas HOA fees or MUD taxes. How do VA disability ratings come into play here? I have researched that 100% VA veterans may apply for waiver of property taxes, but that would not affect MUD/HOA type costs would it?

Can you do property taxes for Cypress?

Illinois is higher!!!!

How about manufactur homes

Tu eras un, bandero de rentas

Dont cali texas please

Wait, is this someone who JUST GOT HERE talking about my city? First of you need to use the mdian home price in your calculations. This isnt California.

On one hand some of your info is wrong, but on the other hand. Houston doesnt want a bunch of liberals crying about how costly their state is.

Ted Cruz For President 2024.