--- title: "Moving To Texas From Another State | Relocation Guide | North Dallas | Raven Home Co." description: "No state income tax, higher property tax, and a very different cost per square foot. What actually changes when you move to North Dallas, and the order to work through it in." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Person", "name": "Raven Mok", "jobTitle": "Real Estate Advisor & Former CPA", "description": "Raven Mok is a licensed Texas real estate agent and former CPA serving North Dallas. She founded Raven Home Co. under eXp Realty DFW and holds the CLHMS luxury designation. Fluent in English and Vietnamese.", "url": "https://ravenmok.com/", "image": "https://ravenmok.com/raven-mok-og.jpg", "worksFor": { "@type": "Organization", "name": "eXp Realty", "url": "https://www.exprealty.com/" }, "memberOf": { "@type": "Organization", "name": "Raven Home Co", "url": "https://ravenmok.com/" }, "hasCredential": [ { "@type": "EducationalOccupationalCredential", "name": "Texas Real Estate License", "credentialCategory": "license", "recognizedBy": { "@type": "Organization", "name": "Texas Real Estate Commission (TREC)" }, "identifier": "0748093" }, { "@type": "EducationalOccupationalCredential", "name": "Certified Luxury Home Marketing Specialist (CLHMS)", "credentialCategory": "certification" } ], "alumniOf": { "@type": "Organization", "name": "PricewaterhouseCoopers (PwC)", "url": "https://www.pwc.com" }, "award": [ "RealTrends Top 1,000 Agents Nationally", "WSJ Top 1% Real Estate Agent", "Coldwell Banker 30 Under 30 (2021)", "2x eXp ICON Award" ], "knowsLanguage": [ "en", "vi" ], "areaServed": [ "Prosper, TX", "Celina, TX", "Frisco, TX", "McKinney, TX", "Allen, TX", "Plano, TX", "North Dallas, TX" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+1-408-234-9393", "email": "raven@ravenmok.com", "contactType": "customer service" }, "sameAs": [ "https://www.linkedin.com/in/ravenmokrealtor", "https://www.instagram.com/ravenhomeco/", "https://www.facebook.com/RavenHomeCo/", "https://www.zillow.com/profile/RavenMok", "https://www.har.com/ravenmokrealtor", "https://ravenmok.com" ] }, { "@context": "https://schema.org", "@type": [ "RealEstateAgent", "LocalBusiness" ], "name": "Raven Home Co", "alternateName": "Raven Mok Real Estate", "description": "Raven Home Co. is a boutique real estate advisory team founded by Raven Mok, former CPA, operating under eXp Realty in Dallas-Fort Worth. Specializing in wealth strategy, new construction, relocation, and strategic home sales across North Dallas.", "url": "https://ravenmok.com/", "telephone": "+1-408-234-9393", "email": "raven@ravenmok.com", "founder": { "@type": "Person", "name": "Raven Mok" }, "address": { "@type": "PostalAddress", "addressLocality": "Prosper", "addressRegion": "TX", "addressCountry": "US" }, "areaServed": [ "Prosper, TX", "Celina, TX", "Frisco, TX", "McKinney, TX", "Allen, TX", "Plano, TX", "North Dallas, TX", "Dallas-Fort Worth, TX" ], "slogan": "Strategy First. Results Always.", "priceRange": "$$$", "knowsLanguage": [ "en", "vi" ], "sameAs": [ "https://www.facebook.com/RavenHomeCo/", "https://www.instagram.com/ravenhomeco/", "https://ravenmok.com" ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Who is Raven Mok?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Mok is a licensed Texas real estate advisor and former Certified Public Accountant (CPA) serving the Dallas-Fort Worth metroplex. She founded Raven Home Co. under eXp Realty DFW and brings a CPA's financial training to every real estate decision, with prior experience at PricewaterhouseCoopers. She is fluent in English and Vietnamese and serves clients across Prosper, Celina, Frisco, McKinney, Allen, and North Dallas." } }, { "@type": "Question", "name": "What is Raven Home Co?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Home Co. is a boutique real estate advisory team founded by Raven Mok, former CPA, operating under eXp Realty in the Dallas-Fort Worth metroplex. The team specializes in wealth strategy, new construction guidance, relocation services, and strategic home selling across North DFW." } }, { "@type": "Question", "name": "What areas does Raven Mok serve?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Mok serves the Dallas-Fort Worth metroplex with primary focus on Prosper, Celina, Frisco, McKinney, Allen, Plano, and the greater North Dallas corridor in Texas." } }, { "@type": "Question", "name": "What makes Raven Mok different from other Dallas real estate agents?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Mok holds an active Texas real estate license and is a former Certified Public Accountant (CPA), with prior experience at PricewaterhouseCoopers. This dual expertise allows her to analyze the full financial and tax implications of real estate decisions. She is a 2x eXp ICON Award recipient." } }, { "@type": "Question", "name": "Does Raven Mok speak Vietnamese?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Raven Mok is Vietnamese-American and fluent in both English and Vietnamese. She serves the Vietnamese community in Dallas-Fort Worth alongside clients of all backgrounds." } }, { "@type": "Question", "name": "How can I contact Raven Mok?", "acceptedAnswer": { "@type": "Answer", "text": "You can reach Raven Mok at raven@ravenmok.com or by phone at 408-234-9393. Book a consultation at ravenmok.com." } } ] } ] --- [![Raven Home Co. logo — North Dallas real estate advisory led by Raven Mok](/assets/raven-logo-CjGIhzkk.png)](/)[Chat with us](/contact) [Meet Raven](/about) Services [Cities](/cities)[Relocate](/relocate) Neighborhoods More [![Raven Home Co. logo — North Dallas real estate advisory led by Raven Mok](/assets/raven-logo-CjGIhzkk.png)](/) [AI](/lighthaus) [Chat with us](/contact) ![North Dallas residential street on a clear afternoon](/assets/hero-main-njmvY6xR.jpg) Interstate Relocation # The Same Salary Buys A Very Different _Life_ Here. The Question Is How Different. No state income tax changes your take home immediately. Higher property tax takes some of it back. Housing cost per square foot takes a lot less of it. Whether you come out ahead depends on where you are leaving and what you earn, and it is genuinely knowable before you move. Run The Numbers ## Two Tools, Two Different _Questions_ ### Salary comparison Answers what a given salary is actually worth here once state income tax comes out of the equation. Use this one first, before you negotiate an offer. [Open Salary Comparison](/tools/salary-comparison) ### Relocation cost Answers what the whole move costs and what your ongoing monthly picture looks like once housing is in it. Use this one once you have a salary number you trust. [Open Relocation Cost](/tools/relocation-cost) What those two tools do not capture is the local variation. Property tax rates differ by district, MUD and PID districts add to the base rate in many of the newest neighborhoods, and homeowners insurance in North Texas is a heavier line item than most arrivals expect. Those three things together can move your monthly number materially between two homes at the same price. [Property Tax Estimator](/tools/property-tax)[MUD Tax Estimator](/tools/mud-tax) Honest Version ## The Five Things That _Surprise_ People Moving Here 01 ### Property tax is high, and it is assessed annually Your bill can rise even when nothing about your house changed, because the assessed value moves. The homestead exemption and the annual protest process both matter, and most new arrivals do neither in year one. Those two things together are usually the largest controllable line item in your first year here. [Estimate Property Tax](/tools/property-tax) 02 ### Texas is a non disclosure state Sale prices are not public record, so the online estimates you are used to trusting are built on thinner data here. Checking a number yourself is harder than it is where you are leaving. 03 ### Hail Roof age and insurance are a real line item in North Texas, not a formality. Get the roof date and an insurance quote before you are emotionally committed to a house. 04 ### MUD and PID districts Two similar homes a mile apart can carry very different annual costs, because one of them sits inside a district that funds its own infrastructure. The listing sites do not make this obvious. [Estimate MUD Impact](/tools/mud-tax) 05 ### New construction dominates the northern suburbs The tradeoffs between new build and resale are different here than in an older metro, and builder contracts are not the standard state contract. Read that sentence twice if you are planning to walk into a model home without representation. Directional ## How Far Your Money Actually _Goes_ The same budget, across the cities I work in. Directional only, since the market moves and every street is its own story. [![Aerial view of the Legacy corridor near Plano and Frisco](/assets/frisco-legacy-aerial-QXnKnpKc.png)](/cities/plano)[Plano](/cities/plano) Smaller footprint for the money Largely 1980s through early 2000s, with pockets of newer infill [![Aerial view of the Legacy district in Frisco](/assets/frisco-legacy-aerial-QXnKnpKc.png)](/cities/frisco)[Frisco](/cities/frisco) Mid range footprint Mostly 2000s onward [![Aerial view of historic downtown McKinney](/assets/mckinney-downtown-aerial-i27aCbzu.png)](/cities/mckinney)[McKinney](/cities/mckinney) More square footage than Plano at the same band A wide spread, from historic downtown to new build on the west side [![Downtown Prosper welcome sign](/assets/prosper-downtown-sign-E8d73mbD.png)](/cities/prosper)[Prosper](/cities/prosper) Largest lots and largest homes for the money Predominantly new build [![Small town main street signage near Celina and Prosper](/assets/prosper-downtown-sign-E8d73mbD.png)](/cities/celina)[Celina](/cities/celina) Comparable to Prosper, generally at a lower entry price Almost entirely new build [![Aerial view of the McKinney and Allen corridor](/assets/mckinney-downtown-aerial-i27aCbzu.png)](/cities/allen)[Allen](/cities/allen) Mid range footprint Largely 1990s and 2000s [![Lewisville Lake at sunset near The Colony](/assets/littleelm-lake-sunset-y8-Twmm0.webp)](/cities/the-colony)[The Colony](/cities/the-colony) Smaller footprint, lowest entry price of this set A mix, with newer development near the lake [![Lewisville Lake shoreline at sunset in Little Elm](/assets/littleelm-lake-sunset-y8-Twmm0.webp)](/cities/little-elm)[Little Elm](/cities/little-elm) Good footprint at a lower price band Mostly 2000s onward Sequence ## The Order To Do This _In_ 1. 01 ### Run the total burden comparison before you pick a neighborhood Not the property tax comparison. Income tax plus property tax against property tax alone. Get that number first, because it changes what you can spend. 2. 02 ### Get pre approved with a lender licensed in Texas Your current lender may not be licensed here, and a pre approval that arrives during a negotiation is worth less than one you already hold. 3. 03 ### Plan a two or three day tour, not a weekend The metro is large and traffic is directional. A single Saturday tells you almost nothing about a commute you will make five days a week. 4. 04 ### Decide new build versus resale before you tour They are different processes with different contracts and different timelines. Trying to shop both at once is how people lose weeks. 5. 05 ### Understand your homestead timing relative to your closing date You must own and occupy the home as your primary residence on January 1 of the tax year, and you file between January 1 and April 30 of the following year. Your closing date decides whether you get it in year one. People Who Made The Same Move ## What Relocating Clients Say > Raven was our 'eyes and boots on the ground.' Her attention to detail and financial strategy made our relocation effortless. Vinoth K. Relocated from California > We came from California nervous about the market. Raven made us feel like locals within weeks. The Chen Family Celina, TX > Building from California was stressful until Raven became our eyes on the ground. Weekly updates, photos, and honest feedback made all the difference. The Rodriguez Family Star Trail, Prosper [Read more client reviews](/testimonials) ![Raven Mok, North Dallas real estate agent with eXp Realty](/assets/raven-portrait-XAM9lWve.jpg) Who You Are Working With The first thing I do with an out of state family is put the whole burden side by side, income tax and property tax together, because a Texas tax bill looks alarming until you set it next to what you were already paying. Once that number is honest, choosing a city gets a lot simpler, and I will tell you plainly when the one you had in mind does not fit the life you described. Raven Mok Active eXp Realty DFW | CLHMS | Former CPA ### Tell me your timeline and I will build the plan backward from it. Step 1 of 2. Two questions, nothing else. Where are you moving from? When?Select a timeline Continue Other Relocation Guides [Relocation hub](/relocate)[New Jersey to Plano](/relocate/samsung)[Buying as a foreign national](/relocate/international)[City directory](/cities) ### Market Insights & Investment Updates Receive quarterly market analysis and exclusive off-market opportunities Subscribe #### Contact ![Raven Home Co. logo — North Dallas real estate advisory led by Raven Mok](/assets/raven-logo-CjGIhzkk.png) Strategic Real Estate Advisor [408-234-9393](tel:4082349393)[raven@ravenmok.com](mailto:raven@ravenmok.com) Serving Prosper, Celina, Frisco, McKinney & North Texas #### Navigate - [Home](/) - [About Raven](/about) - [Home Valuation](/home-valuation) - [Sell As-Is For Cash](/cash-offer) - [90 Day Sale Guarantee](/90-day-guarantee) - [Listing Marketing Plan](/marketing-plan) - [Rate Buydown For Buyers](/buydown) - [14 Day Home Prep Plan](/resources/prep-your-home) - [Renovation ROI](/resources/remodel-roi) - [Maintenance Checklist](/resources/home-maintenance-checklist) - [All Neighborhoods](/neighborhoods) - [Wealth Tools](/wealth-tools) - [Book Strategy Call](/contact) #### Neighborhoods - [Windsong Ranch](/neighborhoods/windsong-ranch) - [The Fields](/neighborhoods/the-fields) - [Mustang Lakes](/neighborhoods/mustang-lakes) - [Star Trail](/neighborhoods/star-trail) - [Light Farms](/neighborhoods/light-farms) - [View All →](/neighborhoods) #### Resources - [Rental ROI Guide](/guides/north-dallas-rental-roi) - [1031 Exchange](/guides/north-dallas-1031-exchange) - [Investor Advisory](/north-dallas-real-estate-advisor) - [Home-Buyer Roadmap](/resources/home-buyer-roadmap) - [Investment 101](/resources/investment-metrics) - [View All →](/resources) [](https://www.facebook.com/RavenHomeCo/)[](https://instagram.com/ravenmok.realtor)[](https://linkedin.com/in/RavenHomeCo)[](https://youtube.com/@RavenHomeCo)[](https://tiktok.com/@RavenHomeCo) The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Multiple Listing Service. Real estate listings held by brokerage firms other than Raven Home Co. are marked with the IDX logo. Information is deemed reliable but not guaranteed. \= Equal Housing Opportunity All real estate advertised herein is subject to the Federal Fair Housing Act, which makes it illegal to advertise any preference, limitation, or discrimination. NAR Member Texas Realtors MLS Member Also by Raven: [Lois Head Spa](https://www.loisheadspa.com)· [LighthausAI](https://stan.store/LighthausAI) © 2026 Raven Home Co. All Rights Reserved. [Privacy Policy](/privacy)[Terms of Service](/terms)[Accessibility](/accessibility) TX License #0748093 **Disclaimer:** The information provided on this website is for general informational purposes only and does not constitute financial, investment, or legal advice. All property information, pricing, and availability are subject to change without notice. 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