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Investing in Texas Property

Information and Tips to Help you make Money in the Texas Real Estate Market

Below you will find some information that is commonly listed in real estate investing tips or information sites. There is money to be made in Real Estate and with any investment the more knowledge you have the better off you are. We don't know if Texas is the best place to invest in Real Estate but we think it's pretty good. If you have some specific questions about areas in Dallas, Houston, Austin, or San Antonio don't hesitate to ask as we have loan officers in most areas of the state and they can provide their opinion for you. Our main office is located just north of Austin in Round Rock so we know this area very well. Judge for yourself. Texas has 3 things working in its favor:

  • Population Growth
  • Job Market
  • Quality of Life

Reasons why Texas is a Great Place to Invest

Population Growth:

Texas is one of three states dominating population growth. The U.S. Census Bureau says that Texas, Florida, and California will account for nearly half of total U.S. population growth (46%) in the next 25 years. The projections say that the top three states will gain 12 million people each by 2030. Having more people simply means there is going to be a need for more housing, and that's a good thing if you are looking to invest.

Job Market

Texas employment growth exceeded national employment growth rates in 2005. Recent Southwest Economy analysis from the Federal Reserve Bank of Dallas confirms that Texas non-farm employment growth is outpacing the nation. The Texas economy in 2005 posted its best performance since 2000. According to Bureau of Economic Analysis (BEA) data Texas personal income rose in 2005 and Texas ranked fourteenth in the nation for personal income. In 2004, Texas had a total personal income (TPI) of $690,376,069 and ranked third in the nation with a 6% increase from 2003.

Quality of Life:

Texas has two cities, Austin and Dallas on Forbes's top 10 lists of the Best Places for Business and Careers. Texas has no personal or corporate income tax - state or local. Texas ranks just 45th out of 50 states in homeownership. Texas has a low cost of living.

City and Areas to Consider:

Austin/Round Rock/Georgetown - Central Texas and the Hill Country

  • Austin ranks 27th in the nation in pop. and is within 200 miles of 12 million people.
  • The pop. of Round Rock doubled from 1900 to 2001. The Property tax rate is lower than 98% of cities with a population above 20,000.
  • Austin has the most highly educated community in the U.S. (with 250,000 + population) and the highest bookstore sales in U.S.
  • Fortune Magazine rated Austin as the #1 Best City in America for business. The city has been called a "more laid-back alternative to Hollywood."
  • Austin ranks first in Texas and sixth in the U.S. in the number of artists and musicians per capita. The city is recognized as the "Live Music Capital of the World."
  • A report in the May edition of Business 2.0 magazine puts the Austin Area at No. 4 for projected job growth among metropolitan areas with at least 1 million residents.

Dallas/Frisco/McKinney - North Central Texas

  • Frisco is the 2nd fastest growing city in the U.S. Population is expected to double in 2006 from its 2000.
  • McKinney's population is expected to grow by 40% in 2006 from 2000.
  • McKinney is home to companies like Texas Instruments, Blockbuster and Experian.
  • Uptown is known as one of the hottest real estate markets in Dallas with high-rise condominiums, ultra modern townhouses, and the expensive apartments. Uptown also has great restaurants and trendy bars.

Sources: Office of the Governor, Economic Development & Tourism, Texas Economy online,