Author Topic: Any Texas Residents Here?  (Read 5626 times)

0 Members and 1 Guest are viewing this topic.

Diogenes

  • Sr. Member
  • ****
  • Posts: 298
    • View Profile
Any Texas Residents Here?
« on: February 08, 2021, 06:28:38 PM »
I am currently exploring possibly moving to Texas and am trying to do some research, specifically cost of living, taxes, license and plate fees, etc. Someone who is a transplant from Ohio would be ideal, as comparative knowledge would be great.

Any and all information would be greatly appreciated.
WHEN CRIMINALS MAKE THE LAWS, OBEYING THE LAW IS A CRIME.

1966 Galaxie 500 390 Toploader 3.89 Traction-Lock 9in.
1985 Toyota Celica Supra
1971 Montego MX wagon 351C Toploader Detroit Locker Cyclone competition gauge/dash bucket seats/console
1989 Texas DPS Police Mustang
1971 Torino GT 351C 4V AT
1968 Cougar 351W Toploader Traction-Lock 8in.
1989 Dodge Omni modified 2.5 turbo from hell

Cyclone03

  • Sr. Member
  • ****
  • Posts: 338
    • View Profile
Re: Any Texas Residents Here?
« Reply #1 on: February 08, 2021, 07:29:55 PM »
No state income Tax
Property Tax and School Tax are on the same Bill,by County ,but are not normally referred to that way. Most city’s also add some tax. School Tax can be pretty high because the state is full of Independent School District's San Antonio has IIRC 9 Districts with different tax rates.
Vehicle registration for my 2013 F150 is $77 per year . My 68 Mustang is classic registered for about $75 total for 5 years no vehicle inspection. My wife’s DV registration is $3.00 year.
All vehicles must have annual inspection at $7.00 for non emissions inspection (sniffer) county’s.
Sales tax is city/county specific as well,about 8 1/2% .
Lance H

Falcon67

  • Hero Member
  • *****
  • Posts: 2173
    • View Profile
    • Kelly's Hot Rod Page
Re: Any Texas Residents Here?
« Reply #2 on: February 08, 2021, 10:33:54 PM »
That's about it.  But it's very area specific.  In Houston, outside the city in Harris County you can have several extra bills over the city/county/school including street lights, local water district, HOA (you'll be hard pressed to find any place without)  and such.  So it pays to investigate.  Dallas County will be different than Tarrant County than Denton County than were I live. And the different districts inside will have different rates per 100/valuation.  And different exemptions. 

You can research property and tax info on the county Tax Assessor's web site.  Example:  https://taylor-cad.org  If you are looking at a specific property, most of the web sites will have taxes assessed and paid on the data page.  If the county has GIS, you can usually use that to peg a property, get the ID and look it up, or link directly to the info from the GIS. 

As an example: Tax rates for my area
https://taylor-cad.org/data/_uploaded/file/taxinfo/Tax_Rate_info/2020%20Tax%20Rates%20Website.pdf
City of Merkel, Merkel ISD specifically

You may need to visit other sites or call to get any homestead exemption information for a specific district.  IIRC, ours is 25K of value, ISD exemption only.  There are a zillion other exemptions, limits, waivers etc.

New cars carry a two year inspection, after that it's yearly.  $7 to the test location, $7 added on to your license fee.  Moving and registering, best look over the DPS web site - note Texas DMV and Texas DPS are NOT the same people.

https://www.dps.texas.gov/section/driver-license

https://www.txdmv.gov/motorists/new-to-texas

https://www.txdmv.gov/motorists/register-your-vehicle  <--fees

http://twostepsonesticker.com/

Also of note - Texas does not tax Social Security income either.  Unlike NM.
« Last Edit: February 08, 2021, 10:51:50 PM by Falcon67 »

Joe-JDC

  • Hero Member
  • *****
  • Posts: 1576
  • Truth stands on its own merit.
    • View Profile
Re: Any Texas Residents Here?
« Reply #3 on: February 08, 2021, 10:47:57 PM »
Housing and taxes and insurance for cars and house outside Bexar county is a consideration.  Bexar is a bear on taxes unless you are a service disconnected veteran with a 100% P&T rating, then homeowner taxes are waived.  Joe-JDC
Joe-JDC '70GT-500

Diogenes

  • Sr. Member
  • ****
  • Posts: 298
    • View Profile
Re: Any Texas Residents Here?
« Reply #4 on: February 09, 2021, 05:09:57 AM »
Thank you for all the information, I've obviously got some homework to do.
WHEN CRIMINALS MAKE THE LAWS, OBEYING THE LAW IS A CRIME.

1966 Galaxie 500 390 Toploader 3.89 Traction-Lock 9in.
1985 Toyota Celica Supra
1971 Montego MX wagon 351C Toploader Detroit Locker Cyclone competition gauge/dash bucket seats/console
1989 Texas DPS Police Mustang
1971 Torino GT 351C 4V AT
1968 Cougar 351W Toploader Traction-Lock 8in.
1989 Dodge Omni modified 2.5 turbo from hell

cjshaker

  • Hero Member
  • *****
  • Posts: 4540
    • View Profile
Re: Any Texas Residents Here?
« Reply #5 on: February 09, 2021, 09:34:05 AM »
Talk about irony. I'm from Ohio and am getting tired of winters, so I was looking at warmer states with no income tax. Texas is one, and having been there on several occasions (visited San Antonia area several times) I liked the state. Not just because of the warmer weather and taxes, but also because of their ideology of independence and personal freedom, although that seems to be changing somewhat with the immigration of illegals and their voting rights, and Californians moving there. Not trying to get political, it's just a fact.

After doing some reading on no-income-tax states, there are some down sides (just from what I've read). Cost of goods and services are usually higher (no surprise there), and local taxes are usually higher. Job growth is also usually lower in no-tax states, for a variety of reasons.

I am most definitely NOT a city person, so a country residence is all that I would consider (not trying to steal Diogenes thread, just adding to the conversation). So how do rural areas pan out? Are rural properties hard to find and/or afford? I realize that's a partly loaded question, seeing as how Texas is such a big state, so that leads to questions like; are there poor areas to avoid? Ohio has areas where unemployment is a real issue, partly due to location, partly to cities that have lost major manufacturing jobs over the last couple of decades. Are you able to avoid local city taxes with a rural residence? What are average fuel prices?

Traveling through Texas on several occasions (all being back in the '80s though), I noticed many small communities and areas of isolated rural living that seemed more to my liking, but wondered how life would be in areas such as that (reality can be a real head knocker when you go in blind). I'm pretty self reliant, I have tools to do pretty much anything I'd have the need for, so the draw of being independent, without having to spend weeks gathering firewood to survive winters is pretty appealing at my age...lol Not to mention not having to hibernate for 1/5 of the year.
Doug Smith


'69 R-code Mach 1, 427 MR, 2x4, Jerico, 4.30 Locker
'70 F-350 390
'55 Ford Customline 2dr
'37 Ford Coupe

Joe-JDC

  • Hero Member
  • *****
  • Posts: 1576
  • Truth stands on its own merit.
    • View Profile
Re: Any Texas Residents Here?
« Reply #6 on: February 09, 2021, 09:55:54 AM »
Fracking has taken over much of the south and western part of TX, and unless this administration stops it, much of that land will be useless for housing.  We used to be able to drive out west, or down south and enjoy the scenery.  Now, there are literally hundreds of trucks and heavy equipment on every road imaginable, and traffic is a snail paced with the workers and job site water tankers, sand trucks, oil trucks, maintenance trucks, electrical towers installers, wind turbines haulers/installers, road building vehicles, and all those "snow birds" with their million dollar motor homes or travel trailers.  It is no longer beautiful nor peaceful to drive anywhere south of I-20 and west of 87.   IMO.  Joe-JDC
Joe-JDC '70GT-500

chris401

  • Guest
Re: Any Texas Residents Here?
« Reply #7 on: February 09, 2021, 10:13:03 AM »
Not everyone small town Texas born and raised are bigoted. God saw fit to preserve all the races we have now through the flood. No man made political agenda, it's a fact.

I have noticed that the cost of living compared to Roswell, New Mexico is 20-25% higher than Waco, Texas. Food, gas, housing, building materials, ect. Our .33 acre & home in Waco has gone from some $2000 a year to over $2500 in the past 7 out of 11 years we have owned it. Compared to our $56 a year for our property in Dexter, New Mexico. While my mom's taxes in Teague, Texas Freestone County are still just over $200 a year for her home and 1 acre. I spoke with a man in New Jersey last week. His country 2 acre & home taxes cost (if I remember right) $16,000 a year while his separate 15 acre farm cost about $200 a year.

Joe-JDC

  • Hero Member
  • *****
  • Posts: 1576
  • Truth stands on its own merit.
    • View Profile
Re: Any Texas Residents Here?
« Reply #8 on: February 09, 2021, 10:58:35 AM »
I hope you are not implying I am bigoted.  I live with two black neighbors next door, an Asian on the other side, and a Jehovah Witness on the last side.  San Antonio is over 51% hispanic, and I am the minority everywhere I go.  Texas is a diverse population, now, but the great living conditions of yester year are quickly going away with the influx of those wanting what has been so great about Texas in the past.  We are no longer a German or English state.  That is not bigoted, it is just a fact of life.  I am a 14th generation American, and everything I believe in is being erased by the liberal left so fast it makes my head hurt.  Joe-JDC
Joe-JDC '70GT-500

chris401

  • Guest
Re: Any Texas Residents Here?
« Reply #9 on: February 09, 2021, 11:44:39 AM »
I hope you are not implying I am bigoted.  I live with two black neighbors next door, an Asian on the other side, and a Jehovah Witness on the last side.  San Antonio is over 51% hispanic, and I am the minority everywhere I go.  Texas is a diverse population, now, but the great living conditions of yester year are quickly going away with the influx of those wanting what has been so great about Texas in the past.  We are no longer a German or English state.  That is not bigoted, it is just a fact of life.  I am a 14th generation American, and everything I believe in is being erased by the liberal left so fast it makes my head hurt.  Joe-JDC
No sir I wasn't. Sometimes our Northern neighbors guesses about us are as uneducated as our fellow Southerners guesses are about Northerners.

Falcon67

  • Hero Member
  • *****
  • Posts: 2173
    • View Profile
    • Kelly's Hot Rod Page
Re: Any Texas Residents Here?
« Reply #10 on: February 09, 2021, 12:17:20 PM »
Not to try and violate any "politics" rules, but in general for your info that larger cities - Dallas, Fort Worth, Houston, Austin, San Antonio, El Paso will be your "bluer" areas.  This trend mirrors other larger population center trends in other states and doesn't necessarily involve people coming from CA or other places.  It just is.  South Texas has always hosted a significant Hispanic population and that has been growing for many years.  Counties outside of those areas - maybe the larger ones a couple of counties outside - will be your more "red" leaning areas.  All the demographic/voting data and maps for the entire state is readily found online. 

Note that in west Texas is not uncommon to have less than 4000 people in 1000 sq/miles. For the privilege of not having anyone anywhere close to your lawn LOL you will be driving.  As an example of more rural west Texas, I live in Taylor County, city of Merkel. About 2600 people.  Decent town more or less.  We're 20 miles west of Abilene, which has a population of around 120,000.  In 1960, it was around 100,000, so growth is very slow, ebbs and flows. With that info, consider that Merkel is the 2nd largest town in Taylor County.  The county coves 919 sq/miles and had a TOTAL population in 2010 of just over 130,000.  You'll see similar big town, bunch of little towns around cities like San Angelo, Midland-Odessa, Snyder, Lubbock, etc.  Pretty easy to find a lot of room to live in the west side.  You could sell a 2-1 dump in California and buy a ranch with the proceeds in Texas.

Rural issues - I said Merkel is the 2nd largest town in the county.  We have a small police department and a volunteer fire department.  We do not have local ambulance support nor first responders.  Our tax base can't (or won't) support it.  The training and certifications required pretty much rules out "volunteer" work.  These people need to be paid to be on standby.  It'll take 30 minutes to get someone to our house, assuming the service in View is not already on a call.  They have two busses, last I looked.  If you're older, this is a bad situation.  Lots of smaller town have these issues so if health issues are a concern, look into this also. Its a concern for us and may force a move. 

Larger cities will have significant traffic issues.  Depending on where you house and where you work, you can be looking at 30~1 hour or better one way commutes.  We lived in Houston in the 90s and my 20 mile commute was right at 60 minutes in the AM and 75~85 minutes in the PM depending on when I left the plant. (out here, the 20 mile run is maybe 20 minutes, less if I wanna). 

Distance - some things are a "fer piece".  From Abilene, it's 2.5 hrs to Fort Worth, 4 hours to Austin, 6 hours to Houston, about same to San Antonio.  Look on the map, it's 453 miles from Abilene to El Paso.  And we're 200 miles west of Dallas which is 180 miles from Texarkana.  For some LOL, Corpus to Texline is 764 miles.  El Paso to San Diego CA is only 744 miles.  Consider that as the crow flies, it's 711 miles from Washington DC to St. Louis.  In non-pandemic times, it's no big deal to jump in the truck on a Saturday and run over to Fort Worth to do some shopping, maybe stop at Uncle Julio's for dinner and run home.  About 400~500 miles in a day trip.  People run to the Oklahoma casinos for day trips or the weekend all the time.  If you live rural, expect to put some miles on your vehicles.  Distance is just part of living here.

Car stuff - we have a very active car scene around here with several car clubs.  Lots of cruises and shows during the year.  Again, a lot of those are 50~60 miles from here to there, so stuff like my 4.56 gear street/strip car would be trailered.  Cruisers no problem.  Lots of freeways and good quality state highways to places.  75 MPH (80 real deal) on the interstates, 70 MPH on state roads with few exceptions.  The climate is dry west of Fort Worth which is good for storage, finding cars no rusted to hell and preservation of tools and such.

Midland/Odessa - it was a mad house for a long time.  Until Russia and the Saudis got in a piss fight which killed the price of oil.  Texas needs barrel prices in the 50~60 range for fracking to work economically.  They are there now, but a lot of consolidation has already occurred.  West Texas is home to 1000s of wind turbines and that industry also has some good paying jobs.  Life in the oil patch is limited and everybody knows it.  Still, we sit on more reserves than the largest fields in the world.  One note - we're sloppy about it.  Recent surveys show that west Texas is leaking enough methane into the air from equipment, uncapped wells and misc stuff to heat at least 2 million homes/year.  That's just bad business. 

Texas you pay more in property tax but no tax on your working income or SSI/retirement. Most food items are not taxed, fast food is taxed.  State sales tax is 8.25%, maybe .25% more in places.  2% of that is retained local.  Auto purchases are taxed at 6.25%.  If you own a business, you will pay Business Personal Property Tax on things, you'll need to see the Assessor forms for details.  We pay tax on a race car and some misc equipment since we work that as additional income.

Couple of words on NM
State highways are 65 MPH (we're faster!)
Property taxes are indeed lower.  HOWEVER - they tax you on EVERYTHING.  Food, fast food, income, SSI/retirement income, etc, etc.  Everything is taxed.  In looking to relocate for retirement, Texas property tax vs NM property tax with est tax on SSI/retirement income is nearly equal.  So you don't necessarily get something for nothing.
« Last Edit: February 09, 2021, 12:29:17 PM by Falcon67 »

cjshaker

  • Hero Member
  • *****
  • Posts: 4540
    • View Profile
Re: Any Texas Residents Here?
« Reply #11 on: February 09, 2021, 03:14:04 PM »
Great information. Thanks to all. It's the details like that that must be heavily weighed when considering such a big change, and it's the hardest information to figure out unless you have good people to help you out, like we have on this forum.

When I was in San Antonio in the '80s, it had a big Hispanic population then. No surprise since Mexico is the nearest neighbor. And it seemed that 'everyplace' was at least 4 hours away...lol We went to Laredo and crossed the border a couple of times. That was fun, but don't think I'd do it in this modern age. Things were a lot different back then. The most amazing sight was driving back at night and seeing the glow of San Antonio in the clear night sky....and we were still 2 HOURS AWAY! Being a rural kid from Ohio, that just amazed me. I loved the open roads, and they were all in very good shape. That is most definitely not the case in Ohio!

Yes, cities always lean blue, rural areas almost always red. It's the huge rural areas of Texas that keep it mainly blue. It's kind of sad to hear about south/west Texas being taken over by oil companies, but fossil fuels is a huge business. That is going to change as the years progress.

The medical aspect isn't a big deal to me. You have 2 choices: 1; you fight to live as long as you can, and in the process degrade until you have Alzheimer's and/or lose all ability to care for yourself, or 2; you take life and death as it comes and accept it for what it is (within reason, of course). Having seen several people deal with parents under option 1, and having to deal now with that issue myself, I personally choose option 2. I don't want to end up in a home or be a charity case in my old age (when I get there). Just depends on how you look at things, and that is not to say anything negative about anybody who chooses differently. Health issues, if you or a loved one has any, would/should be a part of that decision.
Doug Smith


'69 R-code Mach 1, 427 MR, 2x4, Jerico, 4.30 Locker
'70 F-350 390
'55 Ford Customline 2dr
'37 Ford Coupe

Joe-JDC

  • Hero Member
  • *****
  • Posts: 1576
  • Truth stands on its own merit.
    • View Profile
Re: Any Texas Residents Here?
« Reply #12 on: February 09, 2021, 04:02:06 PM »
Well, San Antonio is a medical city for sure.  It seems there are more hospitals, clinics, rehabilitation centers than any city I know of with the population of ~1.7M.  Sometimes I start to think that the driving force in money is the medical centers and all the hospitals available.  We used to have 8 or 9 military facilities around the city, now we are down to 5 active duty sites.  Lackland/Median/Security Hill AFB combined, Randolph AFB,  Fort Sam is now Joint Forces Medical Center, and Camp Bullis.  Kelly AFB is now Port San Antonio, with Boeing depot maintenance, and ANG attached to Lackland.  We have several Veterans Hospital/clinics here.  We have Catholic/Methodist/Baptist/University Hospitals in just about every sector of the city.  We designate them by East, North, North Central, West, Central, Downtown, Southwest, Southeast and even by medical center locations.   Loop I-410 is 54 miles around the city center, and Loop 1604 is 108 miles around the city, and the 35 years ago, I was in the county, but now the city has spread to the point it is ~70 miles across from one side to the other.  I can buy everything I need, shop, get medical attention, all within a 7 mile radius of where I live.  Oh, we also have Sea World, Fiesta Texas, the Alamo, Alamo Dome, and River Walk, Mercado mall, Windsor Park Mall, malls galore, etc..   I would move, but to sell my property now, I would not be able to come close to replacing what I have at another location for what I would get for my property.  Joe-JDC
Joe-JDC '70GT-500

Falcon67

  • Hero Member
  • *****
  • Posts: 2173
    • View Profile
    • Kelly's Hot Rod Page
Re: Any Texas Residents Here?
« Reply #13 on: February 09, 2021, 06:26:27 PM »
On the medical, I'm more specifically talking about sudden issues such as bad injury like fell off your shop roof or ran over by your own hot rod, heart attack, etc.  30 minutes to wait or a $25,000 chopper ride to a trauma center 20-30-60 miles away is sub-optimal.  Regular and preventative care is usually readily available.  We have a clinic local in a remodeled grocery store.  I don't use it, but the family doc is only a 20 minute drive.

Lots of the small towns tend to fold up after 9 or 10 PM.  If it's 6:15 here and I need a prescription, it's a 20 minute drive one way.  If it's 9:15 and I need an onion to complete this dish, it's a 45 minute round trip.  You learn to plan ahead LOL.  But that's OK with me. 

> It's the huge rural areas of Texas that keep it mainly blue.
LOL, think you meant to say mainly red.  It's the increasing population in places like DFW, Austin, etc that are eating away and the political influence of the rural areas.  As I noted, our county population is 130K.  Tarrant County - 2.1million  Dallas County 2.6m  Travis County - 1.2m  Harris County 4.7m etc.  The DFW area includes 11 counties and hosts 7.5m people.  That's "a lot". 

The "West Texas Region" is about 22 counties with a total of 662,500.  For fun - Borden County has 909 sq/miles and a population of 654.  If you want to really get away from it all, try Loving County.  677 sq/miles - 169 population.  Lots of space between neighbors in these parts LOL. 

Falcon67

  • Hero Member
  • *****
  • Posts: 2173
    • View Profile
    • Kelly's Hot Rod Page
Re: Any Texas Residents Here?
« Reply #14 on: February 09, 2021, 06:32:01 PM »
Which explains a "joke" - when we moved here, people say "Where you from?"  "Me just moved here from Houston." (population 2.3m at the time) "Oh! Do you know so-and-so?  They are (some relation) and live down there. "  I'm like "wut" and confused, no, in the 2 gazillion people down there I didn't bump into them.  Until - we learned that it's small town Texas and you run into everybody sooner or later.  You check out at Lowes and may see your cashier at the market, your doctor at Taco Bell, people from work at the hardware store, etc.