Compare the real costs
| Remodel | Move | |
|---|---|---|
| Upfront costs | Design, permits, construction | Agent commissions, closing costs, moving |
| Property taxes | Cap continues; new improvements added | New home appraised at market value |
| Mortgage rate | Keep your current rate | Take the current rate on the new loan |
| Disruption | Living through construction | Packing, moving, new routines |
| Result | Your house, your way | Someone else’s choices |
Questions that decide it
- Do you like the neighborhood, schools and commute?
- Can the lot fit an addition, given setbacks, deed restrictions and floodplain rules?
- Would the remodel push your home far above nearby home values?
- Can you live through the work, or would you need to move out temporarily?
Common questions
Is it cheaper to remodel or buy a bigger house in Houston?
It depends on the project and the market, but remodeling avoids transaction costs and keeps your homestead appraisal cap and mortgage rate. Price both before deciding.
Will a remodel raise my property taxes?
New improvements, such as an addition, are added to your appraised value outside the 10% homestead cap. Repairs and maintenance aren’t.
Sources
This guide is general information, not legal, tax or financial advice. Rules change; confirm details with the agency named in the sources or a licensed professional.