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re: Moving young family to Houston

Posted on 2/6/19 at 9:55 am to
Posted by Mudminnow
Houston, TX
Member since Aug 2004
34150 posts
Posted on 2/6/19 at 9:55 am to
As with anything. Look at all variables carefully.

Here is a property tax calculator for TX. Yes, property taxes are high, but no state income tax. If you add it up it comes out about equal. But you get amazing schools in the burbs of Houston.

Property Tax Calculator

Also here is a site for income tax calculator: Let's say you make $150K per year. Here is a comparison where that $150K goes in CO, TX, and LA.

Income Tax Calculator


Salary in CO
$150,000
Federal Income Tax
- $27,410
State Income Tax
- $6,945

Social Security
- $7,886
Medicare Tax
- $2,175
Total tax
- $44,416
Net pay
* $105,584
RANK 23rd lowest in Country



Salary in TX
$150,000
Federal Income Tax
- $27,410
Social Security
- $7,886
Medicare Tax
- $2,175
Total tax
- $37,471
Net pay
* $112,529
RANK 4th lowest in Country



Salary in LA
$150,000
Federal Income Tax
- $27,410
State Income Tax
- $5,835

Social Security
- $7,886
Medicare Tax
- $2,175
Total tax
- $43,306
Net pay
* $106,694
RANK 15th lowest in Country



One simple ratio known as the “tax burden” helps cut through the confusion. Unlike tax rates, which vary widely based on an individual’s circumstances, tax burden measures the proportion of total personal income that residents pay toward state and local taxes. And it isn’t uniform across the U.S., either.

To determine the residents with the biggest tax burdens, WalletHub compared the 50 states across the three tax types of state tax burdens — property taxes, individual income taxes and sales and excise taxes — as a share of total personal income in the state. Read on for our findings, commentary from a panel of tax experts and a full description of our methodology


Tax Burden by State

Overall tax burden
NY #1
Louisiana #27
TX #33
CO #35
This post was edited on 2/6/19 at 9:58 am
Posted by ragincajun03
Member since Nov 2007
21461 posts
Posted on 2/6/19 at 9:59 am to
Sugar Land.
Posted by RebelAggieDad
house
Member since Jun 2009
398 posts
Posted on 2/6/19 at 10:03 am to
Cypress area
Posted by MWP
Kingwood, TX via Monroe, LA
Member since Jul 2013
10495 posts
Posted on 2/6/19 at 10:22 am to
quote:

As someone who has owned a home there


I moved back to LA from Kingwood. I lived in Fosters Mill. We flooded which was some of the reason we decided to pull the plug. If you buy in the back of Kingwood, I would make a thousand percent sure on whether the house flooded and how close the water got if it did not. Some areas in Fosters Mill were high and dry. I would imagine there are good deals on flooded homes right now. Just make sure the remodel checks all the boxes before buying.

I like Kingwood. Will probably move back. I just wish there were more restaurants.
Posted by YatInTheHat
Member since Apr 2017
868 posts
Posted on 2/6/19 at 10:38 am to
I agree with the guy posting about Bridgeland in Cypress but I live in Towne Lake. Look at both - there are plenty of nice houses, walking paths, waterways, green spaces, etc. The schools are brand new and awesome, my kids have better grades here than back in LA. You have options to get to 10 via 99 or 290 plus surface streets like 6 or Barker Cypress. My kids really took to this place and we love it here, no ragrets.
Posted by yellowfin
Coastal Bar
Member since May 2006
97756 posts
Posted on 2/6/19 at 10:40 am to
Good luck with that commute
Posted by TxTiger82
Member since Sep 2004
33963 posts
Posted on 2/6/19 at 10:46 am to
Kingwood, Katy, Woodlands
Welcome to the H-town 'burbs, my friend.
Watch out for drugs when they get older.
Posted by Mudminnow
Houston, TX
Member since Aug 2004
34150 posts
Posted on 2/6/19 at 11:16 am to
quote:

I agree with the guy posting about Bridgeland in Cypress but I live in Towne Lake.


We looked at Towne Lake as well and spent several weekends looking at model homes there. In the end, we liked Bridgeland more for the amenities, especially since we have young children. I guess if our children were older Towne Lake may be the better option.

We liked all the various playgrounds, tree house, 60 miles of walking paths, 6 miles of mountain biking trails, 18 hole disc golf, many pavilions and parks, 30' water slides, several pools and a heated lap pool, community center, soccer field, baseball diamon, free kayak and mountain bike use, etc. Seems like every weekend there is an event going on with friday night movies, various runs, etc.

I know the commute can be a big negative for some, but people get use to it and end up enjoying the time. My wife started off with podcasts, books on tape, and phone calls to family and friends during the 45 minute commute. We have neighbors that commute nearly an hour leave at 5am and leave work at 4pm. The vast majority of my neighbors have a long commute. People in Louisiana commute too, almost an hour from Gonzales to Baton Rouge, or various plants, lafayette.

We have 3 people on our street alone from Louisiana. All overjoyed with quality of life they are living now. There is a reason why it seems to be a cajun restaurant on every street corner. Folks from Louisiana have been moving here in droves. Now family is seeing the quality of life improvement and making the move.

Taylor Morrison homes drone flyover Notice the amount of green space

Ryland Homes drone flyover

Amateur drone flyover by resident

Cheesy Realtor video, little outdated though
This post was edited on 2/6/19 at 11:57 am
Posted by Mudminnow
Houston, TX
Member since Aug 2004
34150 posts
Posted on 2/6/19 at 2:14 pm to
Keep us updated on your move and the best of luck to you!
Posted by BayouBengal
Member since Nov 2003
28275 posts
Posted on 2/6/19 at 3:13 pm to
If OP is dead set on the burbs try to negotiate a flexible work schedule where you can come in real early and miss the worst traffic. A lot of the 35 to 45 min estimates are best case scenarios. But all too often POS trucks and cars randomly catch on fire, some jackass needs to force merge across 4 lanes at the last second causing a pile up, or any number of random stuff.

I recommend trying to live somewhere that's sort of convenient to work. Less time in the car means more time with the family. In fact a coworker of mine just changed jobs because they were missing kid's school events and quality time in the evenings to the commutes.
Posted by Areddishfish
The Wild West
Member since Oct 2015
6284 posts
Posted on 2/6/19 at 3:51 pm to
quote:

Probably $300,000 for a mortgage is doable


You'll want to do the suburbs then. I have family in Katy and they love it. Schools are great, area is growing fast, plenty to do, etc. If we ever move to the Houston area, that's where we would go. My Grandpa and Aunts live just outside the loop in Northwest Houston and prices in the city are super expensive. In their neighborhood, they have 1600-2000 SF houses going for $500k+.
Posted by OnCampusTiger
Baton Rouge
Member since Aug 2007
689 posts
Posted on 2/6/19 at 4:06 pm to
Pearland
Sugarland
Rosenberg
Eado (Good investment)
Champions off 1960

LINK

This post was edited on 2/6/19 at 4:15 pm
Posted by Mudminnow
Houston, TX
Member since Aug 2004
34150 posts
Posted on 2/6/19 at 4:48 pm to
quote:

Champions off 1960


Traffic Traffic Traffic. It would take the OP 25 friggen minutes just to get to 290 then another 40 mintues from there.

Its a nice area with a little crime and established trees. But older homes and not sure how many in the OP's price range.

But man the traffic on 1960 with stop light after stop light is horrific.
Posted by KG6
Member since Aug 2009
10920 posts
Posted on 2/6/19 at 5:27 pm to
quote:

friggen minutes just to get to 290 then another 40 mintues from there. 


It's not too far from 249, then BW8 to 290. But not where I'd want to live exactly.
Posted by baseballmind1212
Missouri City
Member since Feb 2011
3267 posts
Posted on 2/6/19 at 7:29 pm to
quote:

Come on down to Sienna Plantation.



I've lived in Sienna for 2 years now. My household loves it. I don't make the drive downtown but I'd guess it's 30-45 minutes.

Schools are top notch, there's a good amount of stuff to do, and sugarland is right down the street.
Posted by StoneColdSteel
Texas
Member since Sep 2018
62 posts
Posted on 2/6/19 at 8:18 pm to
We moved from BR to Houston several years ago. We love it here! We're in the Clear Lake/Friendswood area. The schools are awesome! Your wife will love HEB! This area is close to Kemah, NASA and the coast. There's lots of LA transplants. Property taxes are an eye opener but it almost evens out due to no state income tax.

Traffic takes a bit to get used to, no lie. I drive 17 miles to work and it's 50 minutes. That's during peak traffic times.

If I had to choose any other areas here in Houston they would be The Woodlands, Kingwood, Cypress, Katy, Sugarland and maybe League City.

My advice would be to come over for the weekend a few times and stay in the areas you're interested. Take note of homes, schools, restaurants, shopping, etc. Houston is huge, explore the different areas before making a final decision.

Welcome to Texas!
Posted by WavinWilly
Wavin Away in Sharlo
Member since Oct 2010
8783 posts
Posted on 2/6/19 at 8:23 pm to
Moved here with my wife, no kids a year ago. Living in the heights for another year to get to know the city, but we will be moving out to Kingwood/atascocita or the woodlands when we are ready to start a family.

I am very surprised with how much I like the city.
Posted by baseballmind1212
Missouri City
Member since Feb 2011
3267 posts
Posted on 2/6/19 at 8:29 pm to
quote:

am very surprised with how much I like the city.


This. My idea was to do my first 5 years here out of school, get that experience, and go back home.

That plan was tossed 6 months in. BR was a great city to grow up in in the 90's. No way in hell will i be raising my kids in BR now.
Posted by whatrhymeswithrobert
Denver to Houston
Member since Jan 2018
71 posts
Posted on 2/6/19 at 9:59 pm to
So much great info in this thread. Thanks everyone for taking time to throw in their $0.02.

The family is visiting Houston this weekend and will check out a lot of places mentioned here.

Sounds like a lot of what I hear about Houston isn’t true and it’s a great place to live and raise a family. Funny how everyone one that talks shite about Houston doesn't live there.

Thanks again
Posted by LoveThatMoney
Who knows where?
Member since Jan 2008
12268 posts
Posted on 2/6/19 at 10:35 pm to
Cypress is growing quickly. Cy-Fair ISD has good schools, though not all are equal.

Katy is also good with good schools, but the commute is probably worse.

Sugar Land is the same.

I commute to uptown from Cypress. It's 45 minutes if I'm lucky. Usually closer to an hour. But if you're going downtown you can skip 610 from 290 and get directly on I-10. 610 is a straight up fricking disaster. Probably looking at an hour no matter what unless you're leaving at the arse crack of dawn. Katy may be worse. Sugar Land is a hard commute even with the WestPark tollway. The Woodlands may be the worst commute of them all. Pearland is probably the best commute, though 288 can get fricked in the morning.

The biggest thing to consider is how long it will take to get to the main highway from your house. Some places take 20 minutes or more just to get to the highway, whether it be 10, 290, 288, the WestPark, 59 or 45.
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