Texas delivers.
Zero state income tax, affordable housing, and a Sun Belt market where your Pacific Northwest equity goes a long way.
No state income tax. No drama. And more space than you've had in years.
Top destination cities
Why Texas
Four reasons the math works here
Tax advantage
Zero state income tax — permanently
Texas has no state income tax, enshrined in the state constitution. Social Security, pension income, retirement distributions — none of it is touched by Texas. For high-income retirees leaving California or Oregon, the annual savings can be substantial.
Cost of living
Housing costs 40–60% below coastal California
A $900K home in the Bay Area or Portland corridor routinely translates to a $400–500K home in the DFW suburbs, Hill Country, or Gulf Coast — with meaningful equity left over after a Reverse Purchase.
Climate
Warm winters across most of the state
Central and South Texas offer mild winters with occasional cold snaps. Hill Country summers are hot but manageable with the right community amenities. Gulf Coast cities offer year-round warmth and coastal access.
Community & healthcare
Fast-growing 55+ market with strong healthcare
Texas has seen enormous 55+ community development in DFW, Austin, San Antonio, and Houston metro areas. MD Anderson, UT Southwestern, and Texas Medical Center (Houston) are world-class healthcare anchors.
The 51% Rule in Texas
How residency works here
Texas uses a 183-day rule for residency. Establish your Texas driver's license, voter registration, and primary address — combined with 183+ days of presence — and you've cleanly established Texas residency, satisfying both HECM requirements and state tax purposes.
The 51% threshold satisfies two requirements simultaneously: FHA/HUD's definition of primary residence for the Reverse Purchase mortgage, and Texas's residency standard for tax purposes. One move. Two wins.
The Area 51 Strategy in Texas
Sell high. Buy smart. Keep more.
Your Pacific Northwest or California home has appreciated significantly. That equity is your ticket to Texas — and a Reverse Purchase means you don't lock it all back into a mortgage.
Sell your current home
Your WA, OR, or CA home is likely worth more than a comparable Texas property. Silver Superheroes connects you with a vetted local agent to get it listed and sold.
Buy in Texas with a Reverse Purchase
Put down 40–60% on your new Texas home. No monthly mortgage payments required. The rest of your equity stays liquid — to invest, to give, to grow.
Let the line of credit compound
The reverse mortgage line of credit grows over time — even untouched. It becomes your financial cushion for whatever comes next: family support, healthcare, or preserving dignity in later years.
Landing zones
Where people are landing in Texas
Silver Superheroes is actively building Power Teams — vetted Realtors, elder law attorneys, financial planners, Medicare specialists, and a Fairway Loan Officer — in each of these markets.
DFW Suburbs (Frisco, McKinney, Southlake)
Top-rated schools (for grandkids), strong economy, and booming 55+ developments.
Hill Country (Kerrville, Fredericksburg, New Braunfels)
Scenic, affordable, strong community feel — a favorite for PNW transplants wanting a slower pace.
San Antonio
Affordable metro, strong military/healthcare presence, rich history, and warm winters.
Austin metro (Round Rock, Cedar Park)
Vibrant, growing, tech economy — popular if grandkids are in the Austin area.
Gulf Coast (Corpus Christi, The Woodlands)
Coastal living at a fraction of WA or CA prices, with strong healthcare infrastructure.
Homebot
See what your current home is worth — and what it buys in Texas
Use the free Homebot tool to explore your equity position and model what a move could look like.
Realtors & professionals in Texas
Are you the right partner for our incoming clients?
Silver Superheroes is building its Texas Power Team right now — vetted Realtors, elder law attorneys, financial planners, Medicare specialists, and a Fairway LO. Relationship-first professionals only.
Other Area 51 destination states
Ready to run the numbers for Texas?
One 15-minute conversation. We'll show you what your equity does in Texas, what a Reverse Purchase looks like for your situation, and whether Area 51 makes sense for your family.