Housing & Apartments

Moving to DFW from out of state: Everything nobody tells you

Moved from Chicago to DFW 4 years ago. Here's what I wish someone had told me.

The good:

  • No state income tax. This alone was a 4-5% raise.
  • Cost of living is lower (but closing the gap fast)
  • Job market is enormous — DFW has more Fortune 500 HQs than any metro except NYC
  • Food scene is world-class and diverse
  • People are genuinely friendly

The bad:

  • Property taxes are brutal. No income tax but 2.1-2.5% property tax. On a $400K house that's $8,400-10,000/year.
  • You NEED a car. DART exists but it's not a real transit system. Budget $400-600/month for car + insurance + gas.
  • Summer heat is not a joke. 100+ degrees for weeks. June-September you live indoors or in pools.
  • Toll roads everywhere. The DNT, PGBT, Sam Rayburn — budget $100-200/month in tolls if you commute on them.
  • Sprawl. Dallas to Fort Worth is 35 miles. "DFW" is the size of some states. Your friend in Frisco and your friend in Arlington live 50+ miles apart.

Neighborhood guide for transplants:

  • From NYC/Chicago: Start in Uptown or Lower Greenville. Most urban feel.
  • From LA: Bishop Arts or Deep Ellum. Creative vibes.
  • From suburbs elsewhere: Frisco, McKinney, Southlake. You'll feel at home.

Sources:

  • Tax Foundation — Texas vs. other states tax comparison
  • Zillow — DFW cost of living data
  • NCTCOG — DFW transportation data
  • Bureau of Labor Statistics — DFW metro employment data
Community ReportAutomatedSource: Community ReportPublished: Apr 3, 2026, 3:07 AM

4 Comments

u/budget_dfw·

Summer heat deserves its own post. My first July here I thought my car was going to melt. 108 degrees and the steering wheel is lava.

From Boston. The no income tax thing is real but property taxes eat a lot of it back. Net savings is maybe 2-3%, not the 5% you'd expect.

The sprawl is hard to explain until you experience it. My coworker lives in Frisco. I live in Arlington. We both "live in DFW" but we're 55 miles apart.

The toll road thing blindsided me. I commute on PGBT and DNT daily. $180/month in tolls. That's $2,160/year nobody mentions.