How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will decrease by approximately $812 per month ($9,744/year) when you move from New Hampshire to Texas.
If you sell your median-priced New Hampshire home ($430K) and buy in Texas ($310K):
Your New Hampshire equity covers the 20% down payment on a median Texas home with $67K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move saves you approximately $97K in housing costs alone.
Your dollar stretches further in Texas. The median home costs 28% less than in New Hampshire, which translates to a $120K difference in purchase price. This means a smaller loan, a lower monthly payment, and less total interest paid over the life of your mortgage.
Insurance will cost you more in Texas — $3,800/year compared to $1,400/year in New Hampshire. That's an extra $2,400 annually ($200/month). High premiums are driven by severe weather risk in the region.
When you buy in Texas, expect about $5K in closing costs (1.7% of purchase price). Texas has no transfer tax, which helps keep your upfront costs lower. Budget for this amount on top of your down payment.
Texas's TDHCA My First Texas Home offers Up to 5% DPA grant. If you haven't owned a home in three years (or are buying in Texas for the first time), you may qualify. Check eligibility requirements and income limits on Texas's housing finance agency website.