Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Texas and Washington. Updated for 2026.
Metric
Texas
Washington
Median Home Price
$310K
$580K
Property Tax Rate
1.8%
0.98%
Avg Closing Costs
$5K
$8K
Closing Cost %
1.7%
1.4%
Transfer Tax
None
1.78%
Homeowners Insurance
$3,800/yr
$1,600/yr
First-Time Buyer Program
TDHCA My First Texas Home
Up to 5% DPA grant
WSHFC Home Advantage
Up to $10,000 DPA
Verdict
Texas and Washington are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.