Texas Finance Guide 2026

Texas's population of 31,710,000 places it among the one of the largest metro populations in the country in Texas, a detail that directly affects local bank competition and housing supply. Texas is one of the nine states with no state income tax, so Texas residents keep 100% of every dollar at the state level — though that revenue gap usually shows up in higher property or sales taxes instead.

Housing in Texas — roughly $308,212 at the median — lands near the national average, which makes it a reasonably representative market for mortgage comparisons. The guides linked below turn all of this into specifics — real banks, real rates, real local rules — instead of national averages that don't apply to Texas.